Claim-Free Discount

How claims affect the Claim-Free Discount

No claims or “medical-only” claims

Businesses with no claims or “medical-only” claims in the experience period qualify for the Claim-Free Discount.

Nearly 75% of all claims are “medical-only” claims where only:

Compensable claims

Businesses with compensable claims in the experience period do not qualify for the Claim-Free Discount.

Compensable claims include those claims for which the following benefits are either paid or are estimated to be paid at a future date:

  • Wage-replacement payments:
    • Time-loss payments: Payments made to a worker to replace wages lost from a work-related injury or disease, certified by a medical provider. Time-loss is not paid for the first 3 days from the date of injury unless the worker is disabled for 14 consecutive days.
    • Loss of earning power: Payments made to workers when they return to work with fewer hours or less wages due to their work-related medical condition.
  • Disability payments:
    • Permanent Partial Disabilities: Payments made to workers whose work-related injury or disease has reached medical stability and resulted in a permanent loss of function or an amputation.
    • Pensions: Payments made to workers who have been deemed permanently and totally disabled.
    • Fatalities: Any payments made when a work-related injury or illness results in an employee’s death.

For the 3 years that the compensable claim remains on your account, all claim costs, including the medical-only claims, are included in calculating your new rate. Because of that, one relatively inexpensive compensable claim can greatly impact your rates.

Claims only stay on your record for the 3-year experience period. When these claims drop off, and you have no other compensable claims, you will again qualify for the discount.

Find out more


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