Can Health Insurance Rebates Affect Workers’ Comp Premiums? Since 2012, the Affordable Care Act (ACA) has required insurers with a certain medical loss ratio (MLR) to issue a rebate to employers. Depending on the way the rebates are distributed, you may end up paying more for your workers’ compensation insurance. Medical Loss Ratio The MLR […]

Is Paying Small Work Comp Claims Out of Pocket Ever a Good Idea? Medical-only claims are an important factor in the experience modification rating process. In many states, these claims, also known as injury or IJ code type 6 losses, are reduced by 70% for the mod calculation. This reduction is known as the experience […]

Study Finds Extreme Temperatures Increase Workers’ Compensation Claims The National Council of Compensation Insurance (NCCI) recently published a new study showing the relationship between injury frequency and weather conditions as they relate to workers’ compensation claims. In the study, the NCCI found that employees file 10% more workers’ compensation claims on hot and cold days […]