HTML has links - PDF has Authentication

Chapter 296-17B WAC

Last Update: 11/30/23

RETROSPECTIVE RATING FOR WORKERS' COMPENSATION INSURANCE

WAC Sections

HTMLPDF296-17B-010Introduction and overview.
HTMLPDF296-17B-020How to read these rules.
HTMLPDF296-17B-030The language we use in these rules.
HTMLPDF296-17B-040Which version of these rules applies to you?
HTMLPDF296-17B-100Individual retrospective rating.
HTMLPDF296-17B-200Group retrospective ratingOverview.
HTMLPDF296-17B-210Qualifications for sponsoring organizations.
HTMLPDF296-17B-220Qualifications for new groups.
HTMLPDF296-17B-230Qualifications for existing groups.
HTMLPDF296-17B-240Enrolling a group.
HTMLPDF296-17B-250Employer qualifications for group membership.
HTMLPDF296-17B-260Homogeneity.
HTMLPDF296-17B-270Industry categories.
HTMLPDF296-17B-280Enrolling an employer in a group.
HTMLPDF296-17B-300Choosing loss limits.
HTMLPDF296-17B-400Adjustments.
HTMLPDF296-17B-410Calculating your retrospective rating premiums.
HTMLPDF296-17B-420Premium administration expense charge.
HTMLPDF296-17B-430Incurred loss and expense charge.
HTMLPDF296-17B-440Net insurance charge.
HTMLPDF296-17B-500Determining your standard premiums.
HTMLPDF296-17B-510Assigning claims to coverage periods.
HTMLPDF296-17B-520Determining your losses.
HTMLPDF296-17B-530Determining case incurred losses.
HTMLPDF296-17B-540Determining loss incurred for each claim.
HTMLPDF296-17B-550Determining your incurred losses.
HTMLPDF296-17B-560Determining your hazard group and size group.
HTMLPDF296-17B-600Performance adjustmentOverview.
HTMLPDF296-17B-610How we determine the performance adjustment factor.
HTMLPDF296-17B-620More about the performance adjustment factor.
HTMLPDF296-17B-700Protest and appeals.
HTMLPDF296-17B-710Account in good standing.
HTMLPDF296-17B-720Prohibited conduct.
HTMLPDF296-17B-730Probation.
HTMLPDF296-17B-740Refunds of standard premiums after final adjustment.
HTMLPDF296-17B-750Notification.
HTMLPDF296-17B-760Coverage periods.
HTMLPDF296-17B-770Common ownership.
HTMLPDF296-17B-780Due dates.
HTMLPDF296-17B-810Discounted loss development factors.
HTMLPDF296-17B-830Expected loss ratio factors.
HTMLPDF296-17B-840Claim types.
HTMLPDF296-17B-900Retrospective rating plans standard premium size ranges.
HTMLPDF296-17B-910Hazard Group 1 tables.
HTMLPDF296-17B-920Hazard Group 2 tables.
HTMLPDF296-17B-930Hazard Group 3 tables.
HTMLPDF296-17B-940Hazard Group 4 tables.
HTMLPDF296-17B-950Hazard Group 5 tables.
HTMLPDF296-17B-960Hazard Group 6 tables.
HTMLPDF296-17B-970Hazard Group 7 tables.
HTMLPDF296-17B-980Hazard Group 8 tables.
HTMLPDF296-17B-990Hazard Group 9 tables.
DISPOSITION OF SECTIONS FORMERLY CODIFIED IN THIS TITLE
296-17B-820Discount factors. [Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-820, filed 10/19/10, effective 11/19/10.] Repealed by WSR 12-21-054, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.18.010 and 51.04.020(1).


PDF296-17B-010

Introduction and overview.

Retrospective rating (retro) is a voluntary financial incentive program offered by the department of labor and industries to encourage improvements in workplace safety.
Chapter 296-17 WAC defines the standard method for determining the price of workers' compensation insurance for employers insured with the state fund. All employers insured with the state fund must pay the accident fund, medical aid fund, and supplemental pension fund premiums established in that chapter.
Employers who participate in retrospective rating bind themselves to the rules of the retrospective rating program found in this chapter. Under these sections, a participant's ultimate cost of workers' compensation insurance will be different than under chapter 296-17 WAC.
Employers participate in retrospective rating because it creates an opportunity to earn refunds of premiums they are required to pay under chapter 296-17 WAC. However, participation involves risk: Participants not successful in controlling losses can be assessed additional premiums.
Employers control losses by preventing workplace illnesses and injuries, and helping injured workers return to work.
Employers that participate in retro can enroll either individually or as members of a sponsored group. Enrollment is for a one-year coverage period, but it is possible for employers to join a sponsored group after the group's one-year coverage period has begun, at the beginning of a calendar quarter.
After a coverage period is over, the department evaluates premiums and claims losses and determines retro premiums according to these rules. If a retro group's or an individually enrolled employer's retro premiums are less than the standard premiums paid initially, that firm or group will receive a refund. If the retro premiums are more than the standard premiums initially paid, the firm or group will be assessed the additional amount. Calculation of retrospective premiums is defined further in this chapter. The department goes through this annual adjustment process three times for each coverage period.
The department will repeat the studies that resulted in the hazard group assignments and changes to retrospective plan tables that are shown in WAC 296-17-901, 296-17B-300, 296-17B-560, 296-17B-830, and 296-17B-910 through 296-17B-990. The repeated studies will determine whether the results are consistent with the expectation of improved fairness in the distribution of the retrospective rating refunds among participants. These repeated studies will be done by April 1, 2020.
The department will evaluate and if necessary update the tables beginning at WAC 296-17B-910 every five years.
[Statutory Authority: RCW 51.18.010(2), 51.04.020. WSR 17-12-020, § 296-17B-010, filed 5/30/17, effective 6/30/17. Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 12-21-054, § 296-17B-010, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-010, filed 10/19/10, effective 11/19/10.]



PDF296-17B-020

How to read these rules.

We have written these rules so that employers and group sponsors can understand how the retrospective rating program works, both generally and in detail. These rules are meant to be read together. Often, we will make simple statements in one section, followed in another section by more detailed explanations. We hope that the simple statements are helpful, but if there appears to be a conflict between the simple statements and the detailed explanations that follow, it is the detailed explanation that tells you what we do and how we do it.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-020, filed 10/19/10, effective 11/19/10.]



PDF296-17B-030

The language we use in these rules.

In these rules, when we say "we," we mean the retrospective rating program at the department of labor and industries. When we say "you," we mean either an individually enrolled employer or a sponsored group.
Except when the context specifically indicates, "you" does not mean an individual employer enrolled in a sponsored group.
We have tried to write these rules using plain language. When we use a word or phrase that means other than what it might ordinarily mean, an explanation of the word or phrase can be found in these rules.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-030, filed 10/19/10, effective 11/19/10.]



PDF296-17B-040

Which version of these rules applies to you?

If you participate in retrospective rating, either as an enrolled employer or a group sponsor, the rules in effect on the first day of a coverage period are the rules that will apply to you for that coverage period, even if some of these rules are changed later.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-040, filed 10/19/10, effective 11/19/10.]



PDF296-17B-100

Individual retrospective rating.

(1) We will enroll a qualified employer who applies for enrollment for individual retrospective rating. To qualify, an employer must:
(a) Have an industrial insurance account in good standing;
(b) Have paid standard premiums at least equivalent to the minimum premium listed in size group 1, Table 1, WAC 296-17B-900, in the four calendar quarters prior to applying for enrollment; and
(c) Apply for enrollment no later than the fifteenth day of the month before the calendar quarter in which the coverage period begins. The application must indicate the employer's choices regarding loss limits and whether its net insurance charges will be calculated using standard premiums or incurred losses as explained in these rules. The application must be signed by an owner, partner, corporate officer or managing member of the employer's business.
(2) To reenroll, a currently enrolled employer must submit a new enrollment application no later than the fifteenth day of the month before the calendar quarter in which the new coverage period will begin.
(3) Employers enrolled individually are responsible for retrospective rating premiums for the coverage period enrolled.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-100, filed 10/19/10, effective 11/19/10.]



PDF296-17B-200

Group retrospective rating—Overview.

In group retrospective rating, participating employers become members of an enrolled group sponsored by an approved organization. Employers continue to pay premiums directly to the department as determined by chapter 296-17 WAC. We calculate the group's retrospective rating premiums as though the standard premiums paid by members of the group were paid by the sponsor, and claims assigned to employer members were assigned to the group sponsor. Group sponsors are responsible for the retrospective rating premiums for the coverage period enrolled. If an adjustment results in us refunding premiums, the refund is the property of the group sponsor. If an adjustment results in us assessing additional premiums, the additional premiums are the responsibility of the group sponsor. With limited exceptions explained in these rules, the department is not involved in the private contractual relationship between group sponsor and group member.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-200, filed 10/19/10, effective 11/19/10.]



PDF296-17B-210

Qualifications for sponsoring organizations.

We will approve an organization that applies for group sponsorship if the organization:
(1) Has been in existence for at least four years;
(2) Is an organization with dues paying members; and
(3) Exists primarily for some purpose other than that of obtaining or offering insurance coverage or insurance related services.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-210, filed 10/19/10, effective 11/19/10.]



PDF296-17B-220

Qualifications for new groups.

We will enroll a new retrospective rating group only if:
(1) We approve the organization sponsoring the group;
(2) The members of the group qualify for group membership;
(3) The sponsor demonstrates an acceptable workplace safety and accident prevention plan for the group;
(4) The sponsor demonstrates an acceptable plan for cooperating with the department's claims management activities;
(5) At least half of the proposed members have been dues paying members of the sponsoring organization for at least one year;
(6) The standard premiums for the group members for the four quarters prior to enrollment total at least one million five hundred thousand dollars; and
(7) Enrolling the group will substantially improve workplace safety and accident prevention for its members.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-220, filed 10/19/10, effective 11/19/10.]



PDF296-17B-230

Qualifications for existing groups.

The department will reenroll an existing group if the sponsor asks for it to be reenrolled, and the group still meets the requirements of WAC 296-17B-220 (1) through (4) and (7). Existing groups must submit application for group enrollment, noting their plan selection, maximum and minimum loss ratios and single loss limit for each plan year. The application must be received by the department at least one month prior to the start of the new plan year.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-230, filed 10/19/10, effective 11/19/10.]



PDF296-17B-240

Enrolling a group.

An organization seeking to sponsor a group must notify us in writing of its intention to sponsor a group, select the industry category, and indicate its loss limit choices for the group no later than two months before the beginning of the coverage period. Organizations that have not previously been approved must at that time establish that the organization qualifies for group sponsorship. Evidence of qualification may include bylaws or articles of incorporation filed with the secretary of state.
We will not enroll a new group if the sponsoring organization also sponsors another group in a different industry category that has not yet received its final adjustment for its second coverage period.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-240, filed 10/19/10, effective 11/19/10.]



PDF296-17B-250

Employer qualifications for group membership.

An employer qualifies for membership in a group if the employer:
(1) Has an industrial insurance account in good standing;
(2) Is a dues paying member of the organization sponsoring the group;
(3) Is not enrolled in retrospective rating either as a member of a group or individually for the coverage period; and
(4) The employer satisfies the homogeneity requirement of WAC 296-17B-260.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-250, filed 10/19/10, effective 11/19/10.]



PDF296-17B-260

Homogeneity.

An employer may enroll in a group only if:
(1) We determine that the risk classes appropriately assigned to the employer are related to the industry category selected by the sponsoring organization for the group;
(2) The employer shares common ownership with an employer enrolled in the group that satisfies the requirements of subsection (1) of this section; or
(3) The employer has been a member of the group since prior to July 25, 1999.
In evaluating whether an employer's risk classes are related to the industry category, we will consider only those risk classes that define the nature of the employer's business operations insured with the state fund.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-260, filed 10/19/10, effective 11/19/10.]



PDF296-17B-270

Industry categories.

The following is the list of industry categories from which a sponsor must select for a group:
(1) Agriculture and related services, including services related to the care and breeding of animals, and all agricultural related activities including growing, harvesting, packing, and processing for shipment.
(2) Automotive, truck and boat, manufacturing, sales, repair and related services.
(3) Construction and related services.
(4) Distillation, chemicals, food and related services.
(5) Entertainment, hospitality and related services.
(6) Facilities, property management, maintenance and related services.
(7) Government, utilities, schools, health care and related services.
(8) Grocery stores, grocery distribution centers, bakeries, milk and dairy products processing, delivery to customers and related services.
(9) Health care, pharmaceutical, laboratories and related services.
(10) Logging and wood products manufacturing and related services.
(11) Manufacturing, processing, mining, quarrying, and related services.
(12) Retail and wholesale stores and professional services such as banks and law firms and related services.
(13) Temporary help and related services.
(14) Transportation, recycle, warehousing, facility maintenance and related services.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-270, filed 10/19/10, effective 11/19/10.]



PDF296-17B-280

Enrolling an employer in a group.

We will enroll a qualified employer in an enrolled group if the employer applies for enrollment and the sponsoring organization endorses the application. The application must be signed by an owner, corporate officer, partner or managing member of the employer's business, and may not be assigned or transferred to anyone else.
By endorsing an application, the sponsor is certifying that the employer is a dues paying member of the sponsoring organization. We must receive the endorsed application no later than the fifteenth day of the month before the calendar quarter the employer wishes to be enrolled for.
New applications do not need to be submitted by each member annually. As long as the employer maintains their account in good standing, we will automatically reenroll all participants in the group on an annual basis unless notified in writing by the employer or the group that the employer should be removed. This notification must be received by the last day of the prior coverage period.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-280, filed 10/19/10, effective 11/19/10.]



PDF296-17B-300

Choosing loss limits.

The loss limits you select will also affect your net insurance charge.
(1) Single loss occurrence limit: Your losses incurred for each claim occurrence will be limited by the amount of protection chosen, as described in WAC 296-17B-440. You must choose one of the following single loss occurrence limits:
• $120,000;
• $160,000;
• $250,000;
• $275,000;
• $380,000;
• $500,000;
• $550,000;
• $800,000;
• $1,000,000;
• Unlimited.
(2) Aggregate loss limits: The product of the sum of your losses incurred and the performance adjustment factor will be limited by the maximum and minimum loss ratios you select. You will choose both a maximum and minimum loss ratio limit from the options available in the tables. You can also choose loss limits between the options listed in the tables.
(3) Restrictions on choice of limits:
(a) If you wish to select a single loss occurrence limit other than unlimited, the four most recent quarters of standard premiums must be at least twice the limit chosen. For example, you can only choose a single loss occurrence limit of two hundred seventy-five thousand dollars if your standard premiums in the four most recent calendar quarters were at least five hundred fifty thousand dollars.
(b) Your minimum loss ratio limit must be at least twenty percentage points lower than your maximum loss ratio limit.
(c) You can choose any maximum loss ratio between forty percent and one hundred sixty percent. Also you can choose any minimum loss ratio between zero percent and sixty percent. Your choice needs to be rounded to two decimal places. For example, you could choose a maximum loss ratio of ninety-eight and seventy-six one-hundredths percent.
(d) The three limits must be chosen so that the highest possible retrospective premiums must be between 105% and 200% of standard premiums, assuming a performance adjustment factor of 1.0 and the same size and hazard groups as your most recent coverage period.
(e) If at the time of adjustment, the standard premium at risk is less than one hundred five percent of the standard premium paid, the department will recalculate the adjustment results by amending your plan choices for the aggregate loss limits (maximum loss ratio, minimum loss ratio) so that the results conform to this requirement. The amendment of plan choices will be done in such a way as to make the best financial result for the participant. If that is not possible, the department will not adjust the premium at all: No refund or assessment will be calculated.
(f) If at the time of any annual adjustment, the standard premium you have paid places you in a size group outside of the options available in the appropriate hazard group table found in WAC 296-17B-910 through 296-17B-990, the department will change your single loss limit selection to unlimited.
[Statutory Authority: RCW 51.18.010(2), 51.04.020. WSR 17-12-020, § 296-17B-300, filed 5/30/17, effective 6/30/17. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-300, filed 10/19/10, effective 11/19/10.]



PDF296-17B-400

Adjustments.

(1) We will calculate your retrospective rating premiums three times for a coverage period.
(2) We will pick a date approximately nine months after the coverage period ends, determine your standard premiums and losses as of that date, and then calculate your retrospective rating premiums. If the standard premiums you have paid are higher than your retrospective rating premiums, we will refund you the difference. If the standard premiums you have paid are lower than your retrospective rating premiums, we will send you a notice and order of assessment directing you to pay us the difference.
(3) We will repeat this process of determining standard premiums and losses and calculating retro premiums approximately twenty-one and thirty-three months after the coverage period ended, netting the retro premiums against the retro premiums paid previously.
(4) For participants having multiple coverage periods being adjusted at the same time, we will add the adjustments together and either pay you the net amount due you or send you a notice and order of assessment directing you to pay the net difference.
(5) If we send you a notice of assessment you will have thirty days to pay us. We will charge you late penalties and interest pursuant to RCW 51.48.210 on retrospective rating premium assessments you do not pay within thirty days.
If you are enrolled individually and owe any section of the department money, we may withhold from your refund an amount equal to the debt.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-400, filed 10/19/10, effective 11/19/10.]



PDF296-17B-410

Calculating your retrospective rating premiums.

Your retrospective rating premiums will be evaluated at the time of each annual retrospective adjustment, and will be the sum of three charges:
• Premium administration expense charge;
• Incurred loss and expense charge;
• Net insurance charge.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-410, filed 10/19/10, effective 11/19/10.]



PDF296-17B-420

Premium administration expense charge.

You will pay a premium administration expense charge for your share of the expenses of the industrial insurance program that are not directly related to claims administration. To determine your premium administration expense charge, our actuaries will multiply your standard premiums by the premium administration expense factor, which is seven and three-tenths percent. This charge is not performance adjusted.
The premium administration expense factor was determined using premium and expense data from fiscal years 2020 through 2022.
[Statutory Authority: RCW 51.18.005, 51.16.035, and 51.18.010(2). WSR 23-17-146, § 296-17B-420, filed 8/22/23, effective 10/1/23. Statutory Authority: RCW 51.18.010(2), 51.04.020. WSR 17-12-020, § 296-17B-420, filed 5/30/17, effective 6/30/17. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-420, filed 10/19/10, effective 11/19/10.]



PDF296-17B-430

Incurred loss and expense charge.

You will pay for the cost of your claims and their administration for those injuries and illnesses occurring during your retrospective rating enrollment period. You can protect yourself from high claims costs at the claim level with the single loss occurrence limit you select. You can protect yourself from high claims costs at the aggregate claims level with the maximum loss ratio you select.
Our actuaries will determine your incurred loss and expense charge by multiplying your losses incurred by the performance adjustment factor and 112.5 percent, which is one plus the claims administration expense factor, currently 12.5 percent.
Data from fiscal years 2020 through 2022 was used to determine the claims administration expense factor.
[Statutory Authority: RCW 51.18.005, 51.16.035, and 51.18.010(2). WSR 23-17-146, § 296-17B-430, filed 8/22/23, effective 10/1/23. Statutory Authority: RCW 51.18.010(2), 51.04.020. WSR 17-12-020, § 296-17B-430, filed 5/30/17, effective 6/30/17. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-430, filed 10/19/10, effective 11/19/10.]



PDF296-17B-440

Net insurance charge.

You will pay a net insurance charge for the protection provided by your single loss occurrence limit and your maximum loss ratio.
Your net insurance charge can be calculated as a percentage of either your standard premiums or your incurred loss and expense charge.
(1) If you choose to have your net insurance charge calculated using your standard premiums, your net insurance charge will be calculated using the following formula:
(Premium insurance charge factor - Premium insurance savings factor) x (Standard premiums)
Your premium insurance charge factor and premium insurance savings factor will depend on your maximum and minimum loss ratio choice, size group and hazard group, and can be found in WAC 296-17B-910 through 296-17B-990. If you choose a maximum and/or minimum loss ratio between the options found in one of the tables, the department will interpolate to obtain the charge and/or savings factors from the factors found in the tables.
(2) If you choose to have your net insurance charge calculated using your losses incurred, your net insurance charge will be calculated using the following formula:
(Loss insurance charge factor - Loss insurance savings factor) / [1.0 - (Loss insurance charge factor - Loss insurance savings factor)] x Incurred loss and expense charge
Your loss insurance charge factor and loss insurance savings factor will depend on your maximum and minimum loss ratio choice, size group and hazard group, and can be found in WAC 296-17B-910 through 296-17B-990. If you choose a maximum and/or minimum loss ratio between the options found in one of the tables, the department will interpolate to obtain the charge and/or savings factors from the factors found in the tables.
[Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 14-12-051, § 296-17B-440, filed 5/30/14, effective 7/1/14. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-440, filed 10/19/10, effective 11/19/10.]
Reviser's note: The brackets and enclosed material in the text of the above section occurred in the copy filed by the agency.



PDF296-17B-500

Determining your standard premiums.

Employers are required to pay accident fund, medical aid stay-at-work and supplemental pension fund premiums according to chapter 296-17 WAC. Standard premiums are the premiums an employer pays to the accident and medical aid funds under chapter 296-17 WAC for employment during the coverage period, and do not include either stay-at-work or supplemental pension fund premiums.
For an employer enrolled in a group after the start of a group's coverage period, we will only consider the employer's standard premiums for the calendar quarters for which the employer was enrolled.
[Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 12-21-054, § 296-17B-500, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-500, filed 10/19/10, effective 11/19/10.]



PDF296-17B-510

Assigning claims to coverage periods.

We will include your industrial injury claims with a date of injury that falls within the coverage period.
We will include occupational disease claims with a date of last injurious exposure with you (prior to the filing of the claim) that falls within the coverage period.
For an employer enrolled in a group after the start of a group's coverage period, we will only consider the employer's claims related to the calendar quarters for which the employer was enrolled.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-510, filed 10/19/10, effective 11/19/10.]



PDF296-17B-520

Determining your losses.

We determine your losses at the time of an adjustment.
To determine your losses, we first determine the case incurred losses for your claims. To these, we apply discounted loss development and expected loss ratio factors and your single loss occurrence limit to determine your losses incurred for each claim, as explained in these rules. The sum of your losses incurred will be your loss incurred, unless your maximum or minimum loss ratios apply.
[Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 12-21-054, § 296-17B-520, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-520, filed 10/19/10, effective 11/19/10.]



PDF296-17B-530

Determining case incurred losses.

If a claim is closed, we will use the actual losses for the claim as defined in WAC 296-17-870(1). If the claim is open, we will use either the case reserve amounts or the actual losses, whichever are higher.
Where not in conflict with these rules, we will use the rules for valuing claims for experience rating found in WAC 296-17-870 (1), (5) through (7), and (10) through (13).
Employer reimbursements from the Washington stay-at-work program will not be included in the case incurred costs of claims.
Public health emergency claims: All accepted claim losses resulting from a declared public health emergency with a date of injury or last injurious exposure on or after January 1, 2020, will not be included in the retrospective rating adjustment calculations.
[Statutory Authority: RCW 51.16.035, 51.32.073, 51.18.010 and 51.04.020(1). WSR 21-24-066, § 296-17B-530, filed 11/30/21, effective 1/1/22; WSR 20-24-094, § 296-17B-530, filed 11/30/20, effective 1/1/21. Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 12-21-054, § 296-17B-530, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-530, filed 10/19/10, effective 11/19/10.]



PDF296-17B-540

Determining loss incurred for each claim.

(1) Calculating the initial loss incurred:
For each of your claims, we will multiply the case incurred loss by the appropriate discounted loss development factors to determine the initial loss incurred.
If you have a fatality, we will use $544,000 as the claim's initial incurred loss for the claim, with $507,800 for accident fund incurred loss and $36,200 for the medical aid incurred loss, regardless of the case incurred loss, and before recovery factors if applicable.
(2) Applying the single loss occurrence limit:
The initial loss incurred for a claim will be the amount we use as the loss incurred unless the single loss occurrence limit applies.
The single loss occurrence limit applies when the sum of all initial losses incurred for your claims arising out of a single event is greater than your selected single loss occurrence limit. In that case, each claim's initial loss incurred will be its proportionate share of your single loss occurrence limit.
(3) Applying the expected loss ratio factors:
The preliminary loss incurred for a claim will be the amount of the initial loss incurred, after application of the single loss limit, multiplied by the appropriate expected loss ratio factor. The accident fund and medical aid fund portions of each claim will have separate expected loss ratio factors applied.
[Statutory Authority: RCW 51.16.035, 51.32.073, 51.18.010, and 51.04.020(1). WSR 23-24-039, § 296-17B-540, filed 11/30/23, effective 1/1/24. Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 23-12-071, § 296-17B-540, filed 6/6/23, effective 7/7/23. Statutory Authority: RCW 51.16.035, 51.32.073, 51.18.010, and 51.04.020(1). WSR 22-24-019, § 296-17B-540, filed 11/30/22, effective 1/1/23; WSR 21-24-066, § 296-17B-540, filed 11/30/21, effective 1/1/22; WSR 20-24-094, § 296-17B-540, filed 11/30/20, effective 1/1/21; WSR 19-24-029, § 296-17B-540, filed 11/25/19, effective 1/1/20; WSR 18-24-073, § 296-17B-540, filed 11/30/18, effective 1/1/19; WSR 17-24-041, § 296-17B-540, filed 11/30/17, effective 1/1/18; WSR 16-24-014, § 296-17B-540, filed 11/29/16, effective 1/1/17; WSR 15-24-103, § 296-17B-540, filed 12/1/15, effective 1/1/16; WSR 14-24-084, § 296-17B-540, filed 12/1/14, effective 1/1/15; WSR 13-24-073, § 296-17B-540, filed 11/30/13, effective 1/1/14. Statutory Authority: RCW 51.16.035, 51.32.073, 51.08.010, and 51.04.020(1). WSR 12-24-048, § 296-17B-540, filed 11/30/12, effective 1/1/13; WSR 11-24-026, § 296-17B-540, filed 12/1/11, effective 1/1/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-540, filed 10/19/10, effective 11/19/10.]



PDF296-17B-550

Determining your incurred losses.

If the sum of the losses incurred for your claims divided by your standard premiums and multiplied by the performance adjustment factor is greater than the maximum loss ratio you selected, your incurred losses will be reduced accordingly. If it is less than the minimum loss ratio you selected, your incurred losses will be increased accordingly.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-550, filed 10/19/10, effective 11/19/10.]



PDF296-17B-560

Determining your hazard group and size group.

(1) Each risk classification is assigned to a hazard group, as shown in WAC 296-17-901. To determine your hazard group, we will first multiply your standard premiums in each risk class by the hazard group index for that risk class. This is called the adjusted standard premium. Hazard group indices are shown in subsection (3) of this section. We will then divide the total adjusted standard premiums by your total standard premiums, rounded to three decimal places to determine your average hazard index. We will assign you to a hazard group based on your average hazard index using the table in subsection (4) of this section.
(2) We will determine your size group based on your standard premiums using the table in WAC 296-17B-900.
(3) Hazard group index table.
Hazard Group Number
Hazard Index Number
1
 
.25
 
2
 
.29
 
3
 
.41
 
4
 
.55
 
5
 
.82
 
6
 
1.00
 
7
 
1.24
 
8
 
1.46
 
9
 
2.16
 
(4) Average hazard index table.
Hazard Group Number
Average Hazard Index Value is at Least:
But Less Than or Equal to:
1
 
0.000
 
0.269
 
2
 
0.270
 
0.349
 
3
 
0.350
 
0.479
 
4
 
0.480
 
0.684
 
5
 
0.685
 
0.909
 
6
 
0.910
 
1.119
 
7
 
1.120
 
1.349
 
8
 
1.350
 
1.809
 
9
 
1.810
 
2.160
 
Example:
• For your retrospective enrollment year, your group has exposure in risk classifications with Hazard Groups 3 and 6 and corresponding standard premiums of $1,000,000 and $2,000,000 during the enrollment year.
Risk Classification
Hazard Group
Standard Premium
Hazard Index Number
Adjusted Standard Premium
3
$1,000,000
.41
 
$410,000
6
$2,000,000
1.000
 
$2,000,000
Total
$3,000,000
 
 
$2,410,000
• The Average Hazard Index value for your group is the total adjusted standard premiums divided by the total standard premiums or $2,410,000/$3,000,000 = 0.803 to three decimal places. This value 0.803 is in the range between 0.685 and 0.909.
• Therefore, your group will be assigned Hazard Group Number 5 during this annual adjustment.
[Statutory Authority: RCW 51.18.005, 51.16.035, and 51.18.010(2). WSR 23-17-146, § 296-17B-560, filed 8/22/23, effective 10/1/23. Statutory Authority: RCW 51.18.010(2), 51.04.020. WSR 17-12-020, § 296-17B-560, filed 5/30/17, effective 6/30/17. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-560, filed 10/19/10, effective 11/19/10.]



PDF296-17B-600

Performance adjustment—Overview.

The department uses performance adjustment to ensure equity between employers that participate in retrospective rating and employers that do not. The goal of performance adjustment is to make sure that overall, after adjustments, retro participants pay the same share of their losses as employers that do not participate in retro.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-600, filed 10/19/10, effective 11/19/10.]



PDF296-17B-610

How we determine the performance adjustment factor.

Our actuaries compare standard premiums and losses of employers in retro with those of employers not in retro to determine a target refund amount that would result in the groups of retro and nonretro employers funding the same percentage of their claim costs. In doing this, the actuaries pool the experience of the coverage period being adjusted with the experience from the coverage periods beginning the three previous quarters, and take into account possible future changes in losses based on historical data. The actuaries then add interest to the target amount to take into consideration the time value of money.
A performance adjustment factor (rounded to four decimal places) is then selected, so that when we calculate adjustments, the sum of all adjustments will most nearly equal the target refund amount.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-610, filed 10/19/10, effective 11/19/10.]



PDF296-17B-620

More about the performance adjustment factor.

There is no particular significance to the performance adjustment factor being less than, greater than, or equal to 1.0000. The performance adjustment factor is influenced by many things, including overall premium rates, large losses by either retro or nonretro employers, and what options retro participants select when enrolling.
A new performance adjustment factor is calculated for each annual retrospective rating adjustment so that loss ratios of retro and nonretro employers are equal after refunds and additional premium assessments have been paid.
[Statutory Authority: RCW 51.18.010(2), 51.04.020. WSR 17-12-020, § 296-17B-620, filed 5/30/17, effective 6/30/17. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-620, filed 10/19/10, effective 11/19/10.]



PDF296-17B-700

Protest and appeals.

If at the time of an adjustment you are disputing a decision affecting a claim's losses and you want us to recalculate your adjustment after that dispute has been resolved, you must protest the adjustment and identify the claim and dispute pending. We will issue a further order indicating that the adjustment may be revised after the dispute regarding the claim is resolved. After the dispute has been resolved, if you still want us to recalculate the adjustment, you must notify us, and we will recalculate your adjustment as though the dispute had been resolved at the time of the adjustment. We will not pay interest on any amount refunded.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-700, filed 10/19/10, effective 11/19/10.]



PDF296-17B-710

Account in good standing.

To participate in retrospective rating, you as an employer or group sponsor need to have an account in good standing. This means that you need to have an open industrial insurance account with our industrial insurance program, have filed all required reports, and have paid all industrial insurance premiums, penalties and interest (or be current with a repayment plan the department agreed to), and not owe a debt to any other section of the department.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-710, filed 10/19/10, effective 11/19/10.]



PDF296-17B-720

Prohibited conduct.

(1) Employers and group sponsors must not engage in claims suppression as defined in RCW 51.28.010(4).
(2) Employers and group sponsors must not pay medical service providers for medical services related to an industrial injury or occupational disease. Payment of monthly direct fees made on behalf of employees to qualifying direct primary care service providers as permitted by RCW 48.150.050 does not disqualify an employer or group sponsor from participation in the retrospective rating program.
(3) Unless disclosed to the member at the time of enrollment, group sponsors must not require members to pay dues, fees, or continue membership in the retrospective rating program beyond the last date of the coverage year in order to receive their share of refunds, if any.
If we determine that you have violated any of these provisions, we will remove you from retrospective rating effective the date we notify you, and permanently bar you from further participation in the retrospective rating program. You will remain liable for any additional premium assessments related to your participation prior to your removal, but you will forfeit any right to refunds for adjustments calculated after your removal.
[Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 12-21-054, § 296-17B-720, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-720, filed 10/19/10, effective 11/19/10.]



PDF296-17B-730

Probation.

If you as a sponsored group receive a net assessment for two consecutive coverage periods, you will be placed on probationary status. We will review your workplace safety and accident prevention plan and your methods of cooperation with the department's claims management activities, and contact you to discuss ways of improving your performance. If you receive a net assessment in the following coverage period, you will be denied future enrollment, and your sponsoring organization will not be allowed to sponsor another group in the same industry category for the five years following the third coverage period with a net assessment.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-730, filed 10/19/10, effective 11/19/10.]



PDF296-17B-740

Refunds of standard premiums after final adjustment.

If, after the final adjustment for a coverage period, it is determined that an employer enrolled in retrospective rating is entitled to a refund of standard premiums for any reason other than the recalculation of experience provided for in WAC 296-17-870(3), we will adjust the amount of standard premiums to be refunded such that the net impact on the state fund is the same as if refund had taken place before the final adjustment.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-740, filed 10/19/10, effective 11/19/10.]



PDF296-17B-750

Notification.

We will notify you if we need more information to make a decision about your application.
We will also notify you of our decision to enroll or deny enrollment.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-750, filed 10/19/10, effective 11/19/10.]



PDF296-17B-760

Coverage periods.

Individual employers and sponsored groups enroll for one-year coverage periods. Coverage periods begin on the first day of a calendar quarter. Employers may join a sponsored group after its coverage period has begun, beginning on the first day of the next calendar quarter and continuing for the remainder of the coverage period.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-760, filed 10/19/10, effective 11/19/10.]



PDF296-17B-770

Common ownership.

An employer that shares common ownership with one or more other employers cannot enroll in retrospective rating unless all employers sharing common ownership that are within the same industry category also enroll. Employers sharing common ownership can enroll individually or as members of a sponsored group. Employers sharing common ownership that are enrolled individually can choose to be rated separately or together.
Employers share common ownership when:
(1) One or more owners, directly or indirectly, own a majority interest in both employers; or
(2) One employer, directly or indirectly, owns a majority interest in another employer.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-770, filed 10/19/10, effective 11/19/10.]



PDF296-17B-780

Due dates.

When you are required to submit a document (application, report, etc.) it must be received in the Tumwater labor and industries office by 5:00 p.m. on the date due. Documents may be mailed, faxed, or hand delivered. If the due date falls on a Saturday, Sunday, or holiday, it is due the next state business day.
[Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-780, filed 10/19/10, effective 11/19/10.]



PDF296-17B-810

Discounted loss development factors.

At the time of adjustment, our actuaries determine discounted loss development factors by claim type, fund and enrollment period. Loss development factors account for the fact that claims ultimately cost the state fund more than they have cost to date, and more than they are estimated to cost at any particular point in time.
Discounting accounts for the fact that benefits are not paid at once, but rather are paid over a period of time. Discounts vary for different types of claims based on when benefits are expected to be paid.
[Statutory Authority: RCW 51.18.010(2), 51.04.020. WSR 17-12-020, § 296-17B-810, filed 5/30/17, effective 6/30/17. Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 12-21-054, § 296-17B-810, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-810, filed 10/19/10, effective 11/19/10.]



PDF296-17B-830

Expected loss ratio factors.

An expected loss ratio factor is a factor applied to case incurred loss amounts of claims and discounted loss development factors so that the ratio of discounted developed loss to standard premiums for the entire state fund used in the actuarial calculations equals the expected loss ratios. By doing this, loss ratios will not be expected to change simply because the department changed the rates for one fund significantly more than the rates for another fund. The expected loss ratios are:
Accident Fund
76.56%
Medical Aid Fund
88.0%
Separate factors will be calculated by fund and also by enrollment period at the time of each annual retrospective rating adjustment.
[Statutory Authority: RCW 51.18.010(2), 51.04.020. WSR 17-12-020, § 296-17B-830, filed 5/30/17, effective 6/30/17. Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 12-21-054, § 296-17B-830, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-830, filed 10/19/10, effective 11/19/10.]



PDF296-17B-840

Claim types.

The following claim types are considered when calculating the discounted loss development factors:
(1) Fatality;
(2) Total permanent disability pension claim;
(3) Structured settlement claim with ongoing, lifetime payments;
(4) Structured settlement claim with fixed, periodic payments;
(5) Structured settlement claim with one-time, lump sum payments;
(6) Permanent partial disability claim;
(7) Time-loss claim;
(8) Miscellaneous accident fund claim;
(9) Medical only claim.
[Statutory Authority: RCW 51.18.010 and 51.04.020(1). WSR 12-21-054, § 296-17B-840, filed 10/15/12, effective 12/14/12. Statutory Authority: RCW 51.16.035, 51.16.100, 51.04.020(1), and 51.18.010. WSR 10-21-086, § 296-17B-840, filed 10/19/10, effective 11/19/10.]



PDF296-17B-900

Retrospective rating plans standard premium size ranges.

RETROSPECTIVE RATING STANDARD PREMIUM SIZE RANGES
Effective January 1, 2024
Size Group Number
Standard Premium Range
 
From:
 
To:
1
5,660
-
6,599
2
6,600
-
7,459
3
7,460
-
8,399
4
8,400
-
9,409
5
9,410
-
10,479
6
10,480
-
11,629
7
11,630
-
12,869
8
12,870
-
14,169
9
14,170
-
15,559
10
15,560
-
17,019
11
17,020
-
18,559
12
18,560
-
20,229
13
20,230
-
21,979
14
21,980
-
23,849
15
23,850
-
25,809
16
25,810
-
27,889
17
27,890
-
30,109
18
30,110
-
32,439
19
32,440
-
34,919
20
34,920
-
37,519
21
37,520
-
40,319
22
40,320
-
43,269
23
43,270
-
46,409
24
46,410
-
49,729
25
49,730
-
53,279
26
53,280
-
57,049
27
57,050
-
61,059
28
61,060
-
65,319
29
65,320
-
69,869
30
69,870
-
74,729
31
74,730
-
79,929
32
79,930
-
85,499
33
85,500
-
91,469
34
91,470
-
97,879
35
97,880
-
104,799
36
104,800
-
112,299
37
112,300
-
120,299
38
120,300
-
128,899
39
128,900
-
138,199
40
138,200
-
148,199
41
148,200
-
159,099
42
159,100
-
170,599
43
170,600
-
183,099
44
183,100
-
196,799
45
196,800
-
211,599
46
211,600
-
227,499
47
227,500
-
244,699
48
244,700
-
264,099
49
264,100
-
284,799
50
284,800
-
307,499
51
307,500
-
332,799
52
332,800
-
360,799
53
360,800
-
392,399
54
392,400
-
427,299
55
427,300
-
466,599
56
466,600
-
511,299
57
511,300
-
561,799
58
561,800
-
619,899
59
619,900
-
687,199
60
687,200
-
765,699
61
765,700
-
857,899
62
857,900
-
967,199
63
967,200
-
1,099,999
64
1,100,000
-
1,263,999
65
1,264,000
-
1,468,999
66
1,469,000
-
1,733,999
67
1,734,000
-
2,081,999
68
2,082,000
-
2,568,999
69
2,569,000
-
3,285,999
70
3,286,000
-
4,468,999
71
4,469,000
-
6,698,999
72
6,699,000
-
12,259,999
73
12,260,000
-
31,359,999
74
31,360,000
-
and over
[Statutory Authority: RCW 51.16.035, 51.32.073, 51.18.010, and 51.04.020(1). WSR 23-24-039, § 296-17B-900, filed 11/30/23, effective 1/1/24; WSR 22-24-019, § 296-17B-900, filed 11/30/22, effective 1/1/23; WSR 20-24-094, § 296-17B-900, filed 11/30/20, effective 1/1/21; WSR 19-24-029, § 296-17B-900, filed 11/25/19, effective 1/1/20; WSR 18-24-073, § 296-17B-900, filed 11/30/18, effective 1/1/19; WSR 17-24-041, § 296-17B-900, filed 11/30/17, effective 1/1/18; WSR 16-24-014, § 296-17B-900, filed 11/29/16, effective 1/1/17; WSR 15-24-103, § 296-17B-900, filed 12/1/15, effective 1/1/16; WSR 14-24-084, § 296-17B-900, filed 12/1/14, effective 1/1/15; WSR 13-24-073, § 296-17B-900, filed 11/30/13, effective 1/1/14. Statutory Authority: RCW 51.16.035, 51.32.073, 51.08.010, and 51.04.020(1). WSR 12-24-048, § 296-17B-900, filed 11/30/12, effective 1/1/13; WSR 11-24-026, § 296-17B-900, filed 12/1/11, effective 1/1/12. Statutory Authority: RCW 51.16.035, 51.32.073, 51.18.010, and 51.04.020(1). WSR 11-04-069, § 296-17B-900, filed 1/28/11, effective 2/28/11.]



PDF296-17B-910

Hazard Group 1 tables.

Premium-Based Plan, with no Single Loss Limit
Insurance Charge Table
Hazard Group 1
Effective October 1, 2023
 
Maximum Loss Ratio
Size
40%
50%
60%
70%
80%
90%
100%
110%
120%
130%
140%
150%
160%
1
.8416
.8278
.8154
.8039
.7933
.7833
.7739
.7650
.7565
.7484
.7406
.7331
.7258
2
.8367
.8223
.8092
.7972
.7861
.7757
.7658
.7565
.7476
.7391
.7310
.7231
.7155
3
.8306
.8153
.8015
.7888
.7771
.7661
.7557
.7458
.7364
.7274
.7188
.7104
.7024
4
.8245
.8084
.7938
.7805
.7681
.7564
.7455
.7351
.7252
.7156
.7065
.6977
.6892
5
.8184
.8015
.7862
.7721
.7591
.7469
.7353
.7244
.7139
.7039
.6942
.6849
.6759
6
.8124
.7946
.7785
.7638
.7501
.7373
.7252
.7136
.7026
.6921
.6819
.6722
.6627
7
.8064
.7878
.7709
.7555
.7411
.7277
.7149
.7028
.6913
.6802
.6696
.6593
.6494
8
.8005
.7810
.7634
.7472
.7322
.7181
.7047
.6920
.6799
.6683
.6572
.6465
.6362
9
.7946
.7743
.7559
.7390
.7233
.7085
.6945
.6813
.6686
.6565
.6449
.6337
.6230
10
.7888
.7676
.7484
.7308
.7144
.6989
.6844
.6705
.6573
.6447
.6326
.6210
.6098
11
.7830
.7610
.7410
.7226
.7055
.6894
.6742
.6598
.6461
.6330
.6204
.6084
.5968
12
.7772
.7543
.7335
.7144
.6965
.6798
.6640
.6490
.6348
.6212
.6081
.5956
.5836
13
.7715
.7476
.7260
.7061
.6875
.6701
.6537
.6382
.6234
.6093
.5958
.5829
.5704
14
.7657
.7409
.7185
.6978
.6785
.6604
.6434
.6273
.6120
.5974
.5834
.5700
.5572
15
.7600
.7343
.7110
.6895
.6695
.6508
.6332
.6165
.6006
.5855
.5711
.5573
.5441
16
.7543
.7277
.7035
.6812
.6605
.6411
.6229
.6056
.5893
.5737
.5588
.5446
.5310
17
.7486
.7210
.6959
.6728
.6514
.6314
.6125
.5947
.5779
.5618
.5465
.5319
.5179
18
.7429
.7143
.6884
.6645
.6424
.6217
.6022
.5839
.5665
.5500
.5342
.5192
.5048
19
.7372
.7076
.6807
.6561
.6332
.6119
.5918
.5729
.5550
.5380
.5219
.5065
.4917
20
.7315
.7009
.6732
.6478
.6242
.6022
.5815
.5621
.5437
.5262
.5097
.4939
.4788
21
.7258
.6942
.6656
.6394
.6150
.5924
.5711
.5511
.5323
.5144
.4974
.4813
.4659
22
.7200
.6874
.6579
.6308
.6058
.5824
.5606
.5401
.5207
.5024
.4850
.4685
.4528
23
.7143
.6807
.6503
.6224
.5966
.5726
.5502
.5291
.5093
.4905
.4728
.4560
.4400
24
.7085
.6739
.6425
.6138
.5873
.5626
.5396
.5180
.4977
.4786
.4604
.4433
.4270
25
.7027
.6670
.6347
.6052
.5779
.5526
.5290
.5069
.4861
.4666
.4481
.4306
.4141
26
.6970
.6602
.6270
.5966
.5686
.5426
.5184
.4958
.4746
.4547
.4359
.4181
.4013
27
.6912
.6533
.6191
.5879
.5592
.5326
.5078
.4847
.4631
.4427
.4236
.4055
.3885
28
.6854
.6464
.6113
.5792
.5498
.5225
.4972
.4736
.4515
.4308
.4113
.3930
.3757
29
.6796
.6396
.6035
.5706
.5404
.5125
.4866
.4625
.4400
.4190
.3992
.3806
.3631
30
.6737
.6326
.5955
.5617
.5308
.5023
.4758
.4513
.4284
.4070
.3869
.3680
.3503
31
.6678
.6256
.5875
.5529
.5212
.4920
.4651
.4400
.4167
.3950
.3746
.3555
.3375
32
.6619
.6185
.5794
.5439
.5115
.4817
.4542
.4287
.4050
.3829
.3623
.3429
.3248
33
.6560
.6114
.5714
.5350
.5018
.4714
.4434
.4174
.3933
.3709
.3500
.3304
.3121
34
.6501
.6043
.5633
.5260
.4921
.4611
.4325
.4061
.3816
.3589
.3377
.3179
.2994
35
.6442
.5972
.5551
.5170
.4823
.4506
.4215
.3947
.3698
.3468
.3254
.3054
.2867
36
.6383
.5901
.5469
.5080
.4726
.4402
.4106
.3833
.3581
.3348
.3131
.2929
.2740
37
.6323
.5828
.5386
.4988
.4626
.4297
.3995
.3718
.3462
.3226
.3007
.2803
.2612
38
.6263
.5756
.5303
.4895
.4526
.4190
.3884
.3602
.3343
.3104
.2882
.2676
.2485
39
.6203
.5684
.5220
.4804
.4427
.4085
.3773
.3487
.3225
.2982
.2758
.2551
.2359
40
.6144
.5612
.5137
.4712
.4328
.3979
.3662
.3372
.3106
.2861
.2635
.2427
.2234
41
.6085
.5540
.5055
.4620
.4228
.3874
.3551
.3257
.2988
.2740
.2513
.2303
.2111
42
.6026
.5468
.4971
.4527
.4128
.3767
.3439
.3141
.2868
.2619
.2390
.2180
.1989
43
.5968
.5396
.4889
.4435
.4028
.3661
.3328
.3026
.2750
.2499
.2269
.2060
.1869
44
.5911
.5326
.4807
.4345
.3930
.3556
.3218
.2912
.2634
.2381
.2152
.1943
.1754
45
.5849
.5250
.4719
.4246
.3823
.3443
.3100
.2790
.2510
.2257
.2028
.1821
.1634
46
.5787
.5174
.4631
.4148
.3717
.3330
.2983
.2670
.2388
.2134
.1906
.1701
.1517
47
.5727
.5099
.4544
.4051
.3612
.3219
.2867
.2551
.2268
.2015
.1788
.1586
.1406
48
.5667
.5024
.4457
.3953
.3505
.3106
.2750
.2432
.2148
.1896
.1672
.1473
.1297
49
.5608
.4950
.4369
.3855
.3399
.2994
.2633
.2313
.2030
.1779
.1558
.1363
.1192
50
.5552
.4878
.4284
.3759
.3295
.2884
.2520
.2199
.1916
.1667
.1449
.1259
.1093
51
.5496
.4807
.4199
.3664
.3191
.2774
.2407
.2085
.1804
.1558
.1344
.1159
.0999
52
.5440
.4734
.4113
.3566
.3085
.2662
.2293
.1971
.1691
.1448
.1239
.1060
.0906
53
.5385
.4662
.4026
.3468
.2978
.2551
.2179
.1857
.1580
.1342
.1138
.0965
.0818
54
.5332
.4591
.3941
.3370
.2873
.2441
.2067
.1746
.1472
.1239
.1041
.0875
.0735
55
.5281
.4523
.3857
.3275
.2769
.2333
.1958
.1639
.1368
.1140
.0949
.0790
.0656
56
.5230
.4453
.3771
.3177
.2663
.2222
.1847
.1530
.1264
.1042
.0858
.0706
.0580
57
.5181
.4385
.3687
.3080
.2559
.2114
.1739
.1425
.1164
.0948
.0771
.0626
.0509
58
.5136
.4322
.3608
.2989
.2459
.2011
.1636
.1325
.1070
.0861
.0691
.0554
.0444
59
.5093
.4260
.3529
.2898
.2361
.1909
.1535
.1228
.0978
.0776
.0614
.0486
.0384
60
.5052
.4199
.3450
.2806
.2261
.1807
.1433
.1130
.0887
.0693
.0540
.0420
.0327
61
.5013
.4140
.3374
.2716
.2163
.1706
.1334
.1036
.0799
.0614
.0470
.0360
.0275
62
.4976
.4082
.3297
.2626
.2064
.1605
.1235
.0942
.0714
.0538
.0404
.0303
.0227
63
.4940
.4024
.3220
.2534
.1963
.1501
.1134
.0848
.0629
.0463
.0340
.0250
.0184
64
.4907
.3970
.3144
.2442
.1862
.1397
.1034
.0755
.0547
.0393
.0281
.0201
.0145
65
.4878
.3917
.3070
.2350
.1761
.1294
.0934
.0665
.0468
.0327
.0227
.0158
.0111
66
.4852
.3869
.2998
.2260
.1660
.1191
.0836
.0577
.0393
.0266
.0179
.0121
.0083
67
.4827
.3820
.2922
.2162
.1550
.1079
.0732
.0486
.0318
.0206
.0133
.0087
.0059
68
.4807
.3775
.2849
.2064
.1437
.0965
.0627
.0397
.0247
.0152
.0094
.0060
.0040
69
.4792
.3737
.2781
.1970
.1329
.0856
.0529
.0316
.0185
.0108
.0064
.0040
.0026
70
.4781
.3701
.2709
.1862
.1200
.0727
.0417
.0229
.0123
.0067
.0038
.0023
.0016
71
.4774
.3675
.2646
.1760
.1075
.0604
.0315
.0155
.0075
.0038
.0021
.0014
.0010
72
.4771
.3653
.2579
.1632
.0907
.0441
.0190
.0076
.0031
.0015
.0009
.0006
.0005
73
.4770
.3646
.2535
.1513
.0728
.0274
.0083
.0023
.0007
.0003
.0002
.0001
.0000
74
.4770
.3645
.2523
.1452
.0613
.0173
.0034
.0005
.0001
.0000
.0000
.0000
.0000
Premium-Based Plan, with no Single Loss Limit
Insurance Savings Table
Hazard Group 1
Effective October 1, 2023
Minimum Loss Ratio
Size
0%
5%
10%
15%
20%
30%
40%
50%
60%
1
.0000
.0401
.0826
.1272
.1729
.2675
.3646
.4633
.5634
2
.0000
.0389
.0806
.1245
.1697
.2634
.3597
.4578
.5572
3
.0000
.0374
.0781
.1211
.1657
.2582
.3536
.4508
.5495
4
.0000
.0359
.0756
.1178
.1618
.2531
.3475
.4439
.5418
5
.0000
.0344
.0731
.1145
.1578
.2480
.3414
.4370
.5342
6
.0000
.0329
.0706
.1113
.1539
.2430
.3354
.4301
.5265
7
.0000
.0314
.0682
.1081
.1501
.2380
.3294
.4233
.5189
8
.0000
.0300
.0658
.1050
.1463
.2330
.3235
.4165
.5114
9
.0000
.0287
.0636
.1019
.1425
.2281
.3176
.4098
.5039
10
.0000
.0274
.0613
.0989
.1388
.2233
.3118
.4031
.4964
11
.0000
.0261
.0591
.0960
.1352
.2185
.3060
.3965
.4890
12
.0000
.0248
.0570
.0930
.1316
.2137
.3002
.3898
.4815
13
.0000
.0236
.0548
.0901
.1280
.2089
.2945
.3831
.4740
14
.0000
.0224
.0527
.0872
.1244
.2042
.2887
.3764
.4665
15
.0000
.0212
.0507
.0844
.1209
.1995
.2830
.3698
.4590
16
.0000
.0201
.0487
.0816
.1175
.1948
.2773
.3632
.4515
17
.0000
.0190
.0467
.0789
.1140
.1902
.2716
.3565
.4439
18
.0000
.0180
.0448
.0762
.1106
.1856
.2659
.3498
.4364
19
.0000
.0170
.0429
.0735
.1072
.1810
.2602
.3431
.4287
20
.0000
.0160
.0410
.0709
.1039
.1764
.2545
.3364
.4212
21
.0000
.0150
.0392
.0683
.1006
.1718
.2488
.3297
.4136
22
.0000
.0141
.0374
.0657
.0973
.1672
.2430
.3229
.4059
23
.0000
.0132
.0356
.0631
.0940
.1627
.2373
.3162
.3983
24
.0000
.0124
.0339
.0606
.0908
.1581
.2315
.3094
.3905
25
.0000
.0115
.0322
.0581
.0875
.1534
.2257
.3025
.3827
26
.0000
.0108
.0306
.0557
.0844
.1489
.2200
.2957
.3750
27
.0000
.0100
.0290
.0533
.0812
.1443
.2142
.2888
.3671
28
.0000
.0093
.0274
.0509
.0780
.1397
.2084
.2819
.3593
29
.0000
.0086
.0259
.0485
.0749
.1352
.2026
.2751
.3515
30
.0000
.0079
.0244
.0462
.0718
.1306
.1967
.2681
.3435
31
.0000
.0072
.0229
.0439
.0687
.1261
.1908
.2611
.3355
32
.0000
.0066
.0214
.0416
.0656
.1215
.1849
.2540
.3274
33
.0000
.0060
.0200
.0394
.0625
.1169
.1790
.2469
.3194
34
.0000
.0055
.0187
.0372
.0595
.1123
.1731
.2398
.3113
35
.0000
.0050
.0174
.0350
.0565
.1078
.1672
.2327
.3031
36
.0000
.0045
.0161
.0329
.0535
.1032
.1613
.2256
.2949
37
.0000
.0040
.0148
.0308
.0506
.0987
.1553
.2183
.2866
38
.0000
.0036
.0136
.0287
.0477
.0941
.1493
.2111
.2783
39
.0000
.0032
.0125
.0268
.0448
.0896
.1433
.2039
.2700
40
.0000
.0028
.0114
.0248
.0420
.0852
.1374
.1967
.2617
41
.0000
.0024
.0104
.0229
.0393
.0808
.1315
.1895
.2535
42
.0000
.0021
.0093
.0211
.0366
.0764
.1256
.1823
.2451
43
.0000
.0018
.0084
.0194
.0340
.0721
.1198
.1751
.2369
44
.0000
.0016
.0075
.0177
.0315
.0679
.1141
.1681
.2287
45
.0000
.0013
.0066
.0159
.0287
.0634
.1079
.1605
.2199
46
.0000
.0011
.0057
.0142
.0261
.0589
.1017
.1529
.2111
47
.0000
.0008
.0049
.0126
.0236
.0546
.0957
.1454
.2024
48
.0000
.0007
.0041
.0110
.0212
.0503
.0897
.1379
.1937
49
.0000
.0005
.0035
.0096
.0189
.0462
.0838
.1305
.1849
50
.0000
.0004
.0029
.0083
.0168
.0422
.0782
.1233
.1764
51
.0000
.0003
.0024
.0071
.0147
.0384
.0726
.1162
.1679
52
.0000
.0002
.0019
.0060
.0128
.0347
.0670
.1089
.1593
53
.0000
.0002
.0015
.0050
.0110
.0310
.0615
.1017
.1506
54
.0000
.0001
.0012
.0041
.0094
.0276
.0562
.0946
.1421
55
.0000
.0001
.0009
.0033
.0079
.0243
.0511
.0878
.1337
56
.0000
.0000
.0007
.0026
.0065
.0212
.0460
.0808
.1251
57
.0000
.0000
.0005
.0020
.0053
.0182
.0411
.0740
.1167
58
.0000
.0000
.0003
.0016
.0043
.0157
.0366
.0677
.1088
59
.0000
.0000
.0002
.0012
.0034
.0133
.0323
.0615
.1009
60
.0000
.0000
.0002
.0009
.0026
.0111
.0282
.0554
.0930
61
.0000
.0000
.0001
.0006
.0020
.0090
.0243
.0495
.0854
62
.0000
.0000
.0001
.0004
.0014
.0072
.0206
.0437
.0777
63
.0000
.0000
.0000
.0003
.0010
.0056
.0170
.0379
.0700
64
.0000
.0000
.0000
.0002
.0006
.0041
.0137
.0325
.0624
65
.0000
.0000
.0000
.0001
.0004
.0029
.0108
.0272
.0550
66
.0000
.0000
.0000
.0000
.0002
.0020
.0082
.0224
.0478
67
.0000
.0000
.0000
.0000
.0001
.0012
.0057
.0175
.0402
68
.0000
.0000
.0000
.0000
.0000
.0006
.0037
.0130
.0329
69
.0000
.0000
.0000
.0000
.0000
.0003
.0022
.0092
.0261
70
.0000
.0000
.0000
.0000
.0000
.0001
.0011
.0056
.0189
71
.0000
.0000
.0000
.0000
.0000
.0000
.0004
.0030
.0126
72
.0000
.0000
.0000
.0000
.0000
.0000
.0001
.0008
.0059
73
.0000
.0000
.0000
.0000
.0000
.0000
.0000
.0001
.0015
74
.0000
.0000
.0000
.0000
.0000
.0000
.0000
.0000
.0003
Premium-Based Plan, with Various Single Loss Limits
Insurance Charge Table
Hazard Group 1
Effective October 1, 2023
Maximum Loss Ratio
Size Group
Single Loss Limit*
40%
50%
60%
70%
80%
90%
100%
110%
120%
130%
140%
150%
160%
36
$120
.6591
.6094
.5648
.5246
.4880
.4546
.4240
.3975
.3816
.3682
.3569
.3473
.3391
37
$120
.6529
.6019
.5562
.5151
.4777
.4437
.4126
.3913
.3758
.3628
.3518
.3425
.3347
38
$120
.6467
.5944
.5476
.5055
.4674
.4328
.4036
.3853
.3702
.3575
.3468
.3379
.3309
39
$120
.6406
.5870
.5391
.4961
.4572
.4219
.3974
.3796
.3647
.3523
.3420
.3339
.3276
40
$120
.6345
.5795
.5306
.4866
.4469
.4128
.3915
.3739
.3593
.3473
.3378
.3304
.3246
 
$160
.6302
.5756
.5269
.4833
.4439
.4081
.3756
.3480
.3294
.3138
.3007
.2896
.2802
41
$120
.6284
.5721
.5220
.4771
.4367
.4066
.3856
.3684
.3541
.3429
.3341
.3272
.3218
 
$160
.6241
.5682
.5184
.4738
.4337
.3973
.3642
.3410
.3229
.3078
.2951
.2843
.2753
42
$120
.6223
.5647
.5134
.4675
.4263
.4006
.3798
.3628
.3493
.3388
.3307
.3243
.3193
 
$160
.6181
.5608
.5099
.4643
.4234
.3864
.3555
.3343
.3166
.3019
.2895
.2792
.2709
43
$120
.6163
.5573
.5049
.4580
.4199
.3947
.3742
.3577
.3449
.3351
.3275
.3216
.3170
 
$160
.6121
.5535
.5014
.4549
.4132
.3755
.3486
.3278
.3105
.2961
.2842
.2746
.2670
44
$120
.6104
.5500
.4965
.4487
.4139
.3889
.3687
.3530
.3410
.3317
.3246
.3191
.3150
 
$160
.6063
.5463
.4931
.4456
.4031
.3669
.3420
.3216
.3046
.2907
.2794
.2706
.2635
45
$120
.6040
.5421
.4873
.4385
.4074
.3825
.3630
.3482
.3368
.3281
.3215
.3166
.3130
 
$160
.5999
.5384
.4840
.4355
.3921
.3593
.3349
.3148
.2983
.2850
.2746
.2664
.2600
46
$120
.5976
.5343
.4782
.4316
.4008
.3765
.3578
.3436
.3329
.3248
.3188
.3144
.3112
 
$160
.5936
.5306
.4750
.4254
.3816
.3520
.3279
.3082
.2923
.2799
.2702
.2626
.2567
47
$120
.5915
.5266
.4693
.4252
.3945
.3708
.3528
.3393
.3292
.3218
.3164
.3125
.3097
 
$160
.5874
.5230
.4661
.4155
.3742
.3449
.3211
.3019
.2869
.2752
.2662
.2592
.2538
 
$250
.5813
.5176
.4612
.4112
.3666
.3267
.2910
.2639
.2418
.2235
.2081
.1953
.1846
48
$120
.5853
.5189
.4602
.4187
.3884
.3654
.3481
.3353
.3259
.3191
.3143
.3108
.3084
 
$160
.5813
.5153
.4571
.4055
.3670
.3379
.3144
.2960
.2818
.2708
.2624
.2560
.2512
 
$250
.5753
.5100
.4524
.4013
.3558
.3153
.2813
.2554
.2339
.2161
.2013
.1890
.1790
 
$275
.5741
.5089
.4514
.4004
.3551
.3146
.2785
.2499
.2269
.2078
.1918
.1785
.1673
49
$120
.5792
.5112
.4512
.4123
.3825
.3602
.3436
.3315
.3228
.3167
.3124
.3094
.3073
 
$160
.5752
.5077
.4481
.3956
.3598
.3309
.3081
.2905
.2770
.2667
.2590
.2532
.2489
 
$250
.5693
.5025
.4435
.3913
.3450
.3039
.2726
.2472
.2262
.2090
.1947
.1832
.1739
 
$275
.5681
.5014
.4426
.3905
.3443
.3032
.2681
.2411
.2187
.2001
.1847
.1720
.1615
50
$120
.5733
.5038
.4449
.4063
.3770
.3553
.3394
.3281
.3201
.3145
.3107
.3082
.3064
 
$160
.5694
.5003
.4394
.3886
.3528
.3243
.3022
.2854
.2726
.2630
.2559
.2507
.2469
 
$250
.5635
.4951
.4349
.3816
.3345
.2946
.2643
.2394
.2190
.2022
.1887
.1779
.1694
 
$275
.5624
.4941
.4340
.3808
.3338
.2921
.2592
.2327
.2109
.1929
.1781
.1660
.1562
51
$120
.5676
.4964
.4389
.4004
.3717
.3506
.3355
.3249
.3176
.3126
.3093
.3071
.3057
 
$160
.5637
.4930
.4307
.3817
.3460
.3180
.2966
.2805
.2684
.2596
.2531
.2485
.2452
 
$250
.5579
.4879
.4262
.3719
.3239
.2861
.2562
.2318
.2119
.1958
.1831
.1730
.1652
 
$275
.5567
.4869
.4254
.3711
.3232
.2821
.2506
.2246
.2034
.1859
.1717
.1604
.1514
52
$120
.5618
.4889
.4328
.3946
.3664
.3460
.3317
.3219
.3153
.3109
.3081
.3062
.3051
 
$160
.5580
.4856
.4218
.3747
.3392
.3118
.2911
.2758
.2645
.2564
.2506
.2465
.2437
 
$250
.5522
.4805
.4175
.3619
.3138
.2776
.2481
.2242
.2049
.1897
.1777
.1685
.1613
 
$275
.5510
.4795
.4166
.3612
.3124
.2731
.2420
.2166
.1958
.1790
.1657
.1552
.1469
 
$380
.5477
.4766
.4140
.3590
.3105
.2680
.2308
.1997
.1746
.1538
.1365
.1223
.1105
53
$120
.5561
.4815
.4268
.3889
.3613
.3417
.3282
.3192
.3132
.3094
.3070
.3055
.3046
 
$160
.5523
.4782
.4129
.3678
.3325
.3058
.2859
.2713
.2608
.2535
.2483
.2448
.2424
 
$250
.5466
.4732
.4087
.3520
.3053
.2693
.2402
.2168
.1983
.1839
.1728
.1643
.1578
 
$275
.5455
.4722
.4078
.3512
.3019
.2643
.2336
.2086
.1885
.1726
.1601
.1503
.1428
 
$380
.5421
.4694
.4053
.3491
.2998
.2568
.2196
.1900
.1656
.1454
.1289
.1154
.1043
54
$120
.5506
.4742
.4211
.3834
.3564
.3376
.3250
.3167
.3114
.3081
.3061
.3049
.3042
 
$160
.5469
.4709
.4063
.3610
.3261
.3000
.2809
.2672
.2575
.2509
.2463
.2433
.2413
 
$250
.5412
.4660
.4000
.3421
.2970
.2612
.2324
.2097
.1921
.1785
.1682
.1604
.1547
 
$275
.5401
.4651
.3991
.3414
.2932
.2558
.2254
.2010
.1816
.1665
.1549
.1459
.1391
 
$380
.5368
.4622
.3967
.3393
.2892
.2457
.2098
.1808
.1569
.1375
.1216
.1089
.0986
55
$120
.5454
.4671
.4155
.3781
.3517
.3338
.3220
.3145
.3099
.3071
.3054
.3045
.3039
 
$160
.5416
.4639
.3999
.3545
.3200
.2946
.2762
.2634
.2545
.2486
.2446
.2421
.2404
 
$250
.5360
.4591
.3915
.3330
.2889
.2533
.2250
.2031
.1863
.1736
.1641
.1570
.1519
 
$275
.5349
.4581
.3907
.3317
.2847
.2475
.2175
.1937
.1752
.1610
.1501
.1419
.1358
 
$380
.5316
.4553
.3883
.3297
.2788
.2351
.2004
.1719
.1487
.1299
.1148
.1029
.0935
 
$500
.5298
.4537
.3869
.3285
.2778
.2340
.1964
.1646
.1387
.1174
.0999
.0856
.0741
56
$120
.5401
.4610
.4099
.3728
.3471
.3301
.3192
.3125
.3085
.3061
.3048
.3041
.3037
 
$160
.5364
.4567
.3933
.3479
.3139
.2891
.2717
.2598
.2518
.2465
.2431
.2410
.2397
 
$250
.5308
.4520
.3828
.3249
.2806
.2453
.2177
.1966
.1807
.1688
.1602
.1539
.1494
 
$275
.5297
.4510
.3820
.3221
.2761
.2390
.2096
.1866
.1689
.1556
.1456
.1382
.1328
 
$380
.5265
.4483
.3796
.3198
.2681
.2253
.1909
.1630
.1404
.1225
.1083
.0972
.0887
 
$500
.5246
.4467
.3783
.3187
.2672
.2229
.1853
.1544
.1292
.1087
.0920
.0786
.0678
 
$550
.5242
.4464
.3780
.3185
.2670
.2228
.1852
.1534
.1273
.1061
.0889
.0750
.0637
57
$120
.5350
.4558
.4044
.3676
.3427
.3267
.3167
.3107
.3073
.3054
.3044
.3038
.3035
 
$160
.5314
.4497
.3870
.3415
.3079
.2840
.2675
.2565
.2493
.2447
.2419
.2402
.2391
 
$250
.5259
.4451
.3742
.3170
.2726
.2376
.2107
.1904
.1754
.1645
.1567
.1512
.1473
 
$275
.5248
.4442
.3735
.3139
.2677
.2308
.2020
.1798
.1631
.1506
.1415
.1349
.1302
 
$380
.5216
.4415
.3712
.3101
.2576
.2158
.1817
.1544
.1326
.1155
.1022
.0920
.0843
 
$500
.5197
.4399
.3699
.3090
.2567
.2121
.1748
.1447
.1202
.1004
.0846
.0720
.0621
 
$550
.5193
.4396
.3696
.3088
.2565
.2119
.1743
.1430
.1179
.0976
.0812
.0681
.0577
58
$120
.5304
.4511
.3994
.3631
.3389
.3237
.3146
.3093
.3064
.3049
.3040
.3036
.3034
 
$160
.5268
.4433
.3812
.3357
.3026
.2795
.2639
.2537
.2473
.2433
.2409
.2395
.2387
 
$250
.5214
.4387
.3662
.3096
.2651
.2306
.2044
.1849
.1708
.1608
.1538
.1489
.1456
 
$275
.5203
.4378
.3654
.3062
.2599
.2233
.1951
.1737
.1579
.1463
.1380
.1322
.1281
 
$380
.5171
.4351
.3632
.3009
.2486
.2069
.1732
.1464
.1254
.1092
.0969
.0876
.0806
 
$500
.5153
.4336
.3619
.2999
.2467
.2018
.1653
.1357
.1118
.0928
.0779
.0662
.0572
 
$550
.5149
.4333
.3617
.2996
.2466
.2016
.1640
.1337
.1093
.0897
.0742
.0620
.0524
59
$120
.5260
.4465
.3945
.3586
.3353
.3210
.3127
.3081
.3057
.3044
.3038
.3035
.3034
 
$160
.5224
.4369
.3755
.3300
.2974
.2751
.2605
.2512
.2455
.2421
.2401
.2390
.2384
 
$250
.5170
.4324
.3586
.3023
.2578
.2237
.1982
.1797
.1665
.1574
.1511
.1469
.1442
 
$275
.5159
.4315
.3575
.2986
.2522
.2159
.1884
.1679
.1530
.1423
.1349
.1298
.1263
 
$380
.5128
.4289
.3553
.2918
.2398
.1981
.1648
.1387
.1186
.1033
.0919
.0834
.0773
 
$500
.5110
.4274
.3541
.2907
.2368
.1920
.1559
.1268
.1037
.0856
.0716
.0608
.0526
 
$550
.5106
.4270
.3538
.2905
.2366
.1914
.1543
.1246
.1009
.0822
.0676
.0563
.0476
60
$120
.5217
.4418
.3896
.3542
.3317
.3184
.3110
.3070
.3050
.3041
.3036
.3034
.3033
 
$160
.5182
.4309
.3697
.3243
.2923
.2709
.2572
.2488
.2439
.2411
.2395
.2386
.2382
 
$250
.5128
.4262
.3518
.2949
.2505
.2168
.1922
.1747
.1625
.1542
.1488
.1452
.1430
 
$275
.5117
.4253
.3496
.2910
.2444
.2086
.1818
.1622
.1483
.1386
.1320
.1276
.1247
 
$380
.5086
.4227
.3474
.2826
.2309
.1893
.1565
.1311
.1120
.0977
.0872
.0797
.0743
 
$500
.5068
.4212
.3462
.2815
.2268
.1823
.1465
.1181
.0958
.0786
.0656
.0558
.0485
 
$550
.5064
.4209
.3459
.2813
.2267
.1811
.1447
.1156
.0927
.0749
.0613
.0509
.0432
 
$800
.5057
.4203
.3454
.2809
.2263
.1808
.1435
.1131
.0889
.0698
.0549
.0434
.0345
61
$120
.5177
.4373
.3848
.3499
.3284
.3161
.3095
.3061
.3045
.3038
.3035
.3033
.3033
 
$160
.5141
.4260
.3641
.3187
.2874
.2669
.2543
.2468
.2425
.2402
.2390
.2384
.2380
 
$250
.5088
.4202
.3452
.2877
.2433
.2103
.1865
.1700
.1588
.1515
.1468
.1438
.1420
 
$275
.5078
.4193
.3428
.2835
.2369
.2015
.1755
.1569
.1440
.1353
.1296
.1258
.1235
 
$380
.5047
.4168
.3396
.2743
.2222
.1807
.1484
.1239
.1058
.0925
.0830
.0764
.0717
 
$500
.5029
.4153
.3385
.2725
.2173
.1729
.1374
.1097
.0883
.0721
.0601
.0513
.0448
 
$550
.5025
.4150
.3382
.2723
.2168
.1715
.1354
.1069
.0849
.0681
.0555
.0461
.0392
 
$800
.5018
.4144
.3377
.2719
.2165
.1708
.1335
.1037
.0804
.0622
.0483
.0378
.0299
62
$120
.5139
.4328
.3800
.3457
.3252
.3139
.3082
.3054
.3041
.3036
.3034
.3033
.3033
 
$160
.5103
.4211
.3585
.3131
.2825
.2631
.2515
.2449
.2414
.2395
.2386
.2381
.2379
 
$250
.5051
.4143
.3386
.2805
.2362
.2038
.1810
.1655
.1554
.1490
.1450
.1426
.1412
 
$275
.5040
.4135
.3361
.2760
.2293
.1944