NCCI经验修改因子2024变更常见问题

国民赔偿保险协议会(NCCI)正在修改2024年的经验修正系数. These changes are slated to go into effect on each state’s regular filing date on or after Nov. 1, 2023.

本文提供了NCCI对有关新变化的常见问题(FAQs)的回答. 

一般常见问题

什么在改变??

The formulas and general structure of the Experience Rating Plan (Plan) remain unchanged. 某些底层组件将受到影响:

• 初始/超额损失分岔点(分岔点)
• State per claim accident limitation (SAL) and United States Longshore and Harbor Workers’ Compensation (USL&每次索赔事故限制
• G值
• Credibility parameters underlying calculation of the weight (W) and ballast (B) values
  
• 贴现率(d -ratio)

E-1049项的修改建议什么时候生效?

本条款将对经验评级修改生效，评级生效日期为每个州提交预期损失成本/费率后, 哪些在2024年普遍生效. 具体的州评级生效日期从11月6日开始. 2023年1月1日至8月1日. 2024年1月1日，最常见的生效日期是1月15日. 1, 2024.

为什么现在提出这些改变?

NCCI定期评估计划方法和绩效. 在最近一次审查期间, NCCI确定了一些改善计划绩效的机会, 这些修订将导致:

• 一个更准确和预测的体验评级修改
• 经历评级调整，以反映在不同成本水平的州间更公平地确定主要损失和超额损失
• More comparable Plan performance in states with claim costs that vary significantly from the countrywide average
• 在不牺牲预测准确性的情况下，体验对大型异常值索赔不那么敏感的评级修改
• More consistent calculation of each employer’s expected claim count, which is expected to result in more appropriate credibility being assigned to each employer’s loss experience.
• Recalibrated credibility parameters underlying the weight and ballast values to increase equity across employers
• 消除没有附加值的复杂计算

要归档的项目在哪里?

项目E-1409已在所有NCCI州(包括AK州)归档, AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MO, MS, MT, NE, NH, NM, NV, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT和WV). It will be recommended to the following independent bureau states for their consideration: IN, MA, MN, NC和WI.

这些改动对保费有何影响?

预计这些变化总体上是保费中性的. The overall average experience rating modification in each state is not expected to be impacted by these changes. 个别雇主一级最初的波动可能被损失经验的变化和定期更新评级值所抵消. 最终, 该计划的更新预计将导致该计划的整体表现得到改善，并增加个体雇主之间的公平.

Are these changes expected to move experience rating modifications further from unity (1.00)?

For any given employer, the experience rating modification may increase, decrease or stay the same. 整体, 对经验评级修正计算的拟议变更预计将使计划的绩效得到改善，并在各州之间更具可比性.

Do these changes affect the participation of independent bureaus that participate in interstate experience rating? 

No. All of the proposed changes fit within the existing Plan framework (that is, 一个全州范围的分界点). 无论其他局是否决定对自己的经验评级值和方法采取类似的改变，州际经验评级将继续不受干扰

额定值变化

什么是分界点?

主要/超额损失分割点将每项历史索赔的损失分为两层:主要损失(在分割点以下的损失)和超额损失(在分割点以上的损失)。.

例如, 如果分界点是15美元,000, 索赔总额为50美元,000人将捐助15美元,000给初级层，35美元,000到多余的图层. Primary losses receive a greater weight than excess losses in the experience rating modification formula. Because of this, primary losses have a greater impact on the experience rating modification.

分界点目前是全国范围内的价值(18美元),500) that is updated with each state’s annual loss cost/rate filing to reflect changes in countrywide claim costs.

分裂点是如何变化的?

拟议计划变更的一个关键改进是，通过各州具体的分界点，增加了对各州成本水平差异的认识. 根据现行计划, the split point is based on a common level and does not vary across NCCI states.

例如, 而不是现在的18美元,500人申请到所有州, 在拟议计划下, a state with higher-than-average claim severity may have a split point value of $25,000, while a state with lower-than-average claim severity may have a split point value of $15,000.

特定于状态的分裂点的好处是什么?

When NCCI evaluated the performance of the current Plan across various states, it became apparent that additional recognition of state severity differences was an opportunity for improvement.

使用特定于各州的分割点值来反映各州的成本差异，目的是在经验评级修改计算中更好地调整各州给予实际雇主损失经验的权重. 反过来, 预计这将在索赔费用与全国平均水平差异很大的州产生更好的和更具可比性的计划绩效.

新的分点值是否会每年继续更新?

是的. To keep up with changes in claim costs and preserve alignment with other experience rating parameters, 预计分割点值将与每个州的年度损失成本/费率归档同时索引. This is consistent with all other rating values used in the calculation of the experience rating modification.

什么是每项索赔事故限制(SAL) ??

The SAL is the maximum dollar amount from any one claim that may impact the experience rating modification. 例如, 如果SAL是200美元,000, then any claims with incurred losses above that amount would be limited to $200,000 for the purpose of calculating the experience rating modification. Currently, the SAL is calculated as the state average cost per case times 25. The SAL can also be derived at 10% times the state reference point (SRP), where SRP is calculated as the state average cost per case times 250.

SAL的目的是减少巨大的异常索赔对经验评级调整的影响，因为这些美元预计无法预测未来的损失经验超过某一点.

SAL是如何变化的?

The SAL will be calculated using the 95th percentile of lost-time claims for each state. This new methodology is expected to result in lower limits in all states, 在不牺牲预测准确性的情况下，使经验评级修改对大型异常值索赔不那么敏感.

为什么期望SAL在各州之间更加一致，而建议的分裂点因州而异?

简而言之，这些值有不同的用途. SAL用于减少大额索赔对经验评级调整的影响，因为大额异常索赔通常不能预测未来的损失经验. 使用州一级的第95个百分位数产生的SAL预计将影响最大的5%的损失时间索赔. 另一方面, 分割点意味着将与每个索赔相关的美元分割为主要层和多余层——在分割点以下的美元进入主要层, 而分裂点以上的则属于多余层. 提议的分界点是这样建立的，它们导致各州分配给基层的总损失美元份额大致相同. In this sense, the updated split points are more consistent across states as well.

Are there any changes to the other single-claim or multiple-claim limitations?

USL的&每项索赔事故的人力资源限额正在更新，以反映属于F类的损失时间索赔的第95百分位数. 类似于SAL的变化, this new methodology is expected to result in a limitation that is more stable over time.

国家多次索赔事故限额将继续按相应的每次索赔事故限额的两倍计算. 疾病损失限额将继续以本计划中详细说明的核定每次索赔事故限额的倍数计算.

目前没有其他事故限制发生变化.

G值是多少?

The G值 represents state average claim severity (in thousands of dollars). Its primary use is in the determination of an employer’s expected claim count, which serves as the basis for the credibility assigned to its primary and excess loss experience. The G值 is updated with each state’s annual loss cost/rate filing.

G值是如何变化的?

G的计算将进行修订，以反映事故限制和仅医疗损失减少70%(根据经验评级调整[ERA]), 在适用情况下.

在计算雇主的预期申索款额时, the employer’s expected losses are divided by the G值 (average claim severity). Because expected losses already reflect ERA and accident limitations, 计算G的方法的改变使每个雇主的预期索赔数的计算更加一致. 反过来, this is expected to result in more appropriate credibility being assigned to each employer’s loss experience.

可信度参数是什么?

W值和B值影响雇主实际损失对经验评级修正的影响程度. The W and B values are determined by a set of 10 credibility parameters, 这些参数在二十多年里没有更新过.

可信度参数是如何变化的?

建议的可信度参数作为W值和B值的基础已被重新校准，以增加雇主之间的公平性.

保费资格的门槛是多少? 

有资格获得经验评级, an employer’s subject premium must meet or exceed the state’s minimum eligibility amount. This Plan update proposes no change to the current premium eligibility threshold indexing methodology.

本报告并非详尽无遗，任何讨论或意见也不应被视为法律建议. Readers should contact legal counsel or an insurance professional for appropriate advice. 设计©2023 Zywave, Inc. 版权所有.