The Firm's Experience Factor Modifies the Base Rates

Experience Rating is accomplished by multiplying the Accident Fund, Medical Aid Fund, and Stay at Work Base Class Rates by an individual firm's Experience Modification Factor. This is the same procedure used in other workers' compensation jurisdictions.

The Experience Factor measures the extent to which a firm's future claim costs per unit of exposure are estimated to exceed (factors greater than 1.0) or fall short of (factors less than 1.0) the benchmark claim cost per unit of exposure for the classification.

Note: The Experience Factor is applied to the Accident Fund, Medical Aid Fund, and Stay at Work Base Class Rates but not the Supplemental Pension Fund rate.

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