• Tie Reserves To Claim File Documents at unit statistical

plan filing time.

• Correct and Verify Experience Modifiers

• Result: Modifiers are Reduced 20% to 30% over time

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves

Payments

TOTAL INCURRED LOSSES

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves Reserves

Payments Payments

TOTAL INCURRED LOSSES

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves Reserves Reserves

Payments Payments Payments

TOTAL INCURRED LOSSES

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Payments Payments Payments

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves Reserves Reserves

Payments Payments Payments

TOTAL INCURRED LOSSES

Expected LossesExperienceModifiers =

Total incurred losses are $150,000 for experience modification purposes.

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves

Reserves

Reserves

Payments Payments Payments

AUDITED CLAIM FILE

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves

Reserves

Reserves

Payments Payments Payments

AUDITED CLAIM FILE

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves

Reserves

Reserves

Payments Payments Payments

AUDITED CLAIM FILE

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves

Reserves

Reserves

Payments Payments Payments

AUDITED CLAIM FILE

Unit Statistical

Plan Filings

Total incurred losses are $90,000 instead of $150,000

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves

Reserves

Reserves

Payments Payments Payments

AUDITED CLAIM FILE

LowerExperienceModifiers

Broken WristClaim File

50K

40K

30K

20K

10K

02011 2012 2013

Reserves

Reserves

Reserves

Payments Payments Payments

AUDITED CLAIM FILE

LowerPremiums!

Unit Statistical Plan Filing

Unit Statistical Plan Filing

Open Worker’s Compensation Files

Unit Statistical Plan Filing