Basics of Financial Call Data Reporting Requirements. Objective
|
|
- Grant Clark
- 6 years ago
- Views:
Transcription
1 Basics of Financial Call Data Reporting Requirements Presented by: Ferne Friedberg and Brian Barnett 1 Objective Provide a basic understanding of Financial Call data, including the reporting requirements, recommended workflow, and Aggregate Data Quality Incentive Program (ADQIP). 2 1
2 Agenda Collection and Use of Financial Call Data Resources and Tools Premium Categories General Reporting Requirements Financial Data Calls Financial Call Components Calls 8, 31, and 10 Recommended Workflow Aggregate Data Quality Incentive Program (ADQIP) 3 Collection and Use 4 2
3 What Is Financial Data? Calendar Year Policy Year Calendar- Accident Year Aggregated (Summarized) 5 What Does NCCI Collect? 22 Aggregate Financial Calls Categorized and Grouped Primary Ratemaking Calls Supplemental Ratemaking Calls Premium-Based Billing and Residual Market Calls State-Specific Calls Compliance Forms 6 3
4 How Is Financial Data Used? At the state level NCCI uses this data for ratemaking purposes Also supports: Overall market analysis and research Response to state regulatory requirements 7 Resources and Tools 8 4
5 Data Reporting Tab 9 Financial Call Season Web Article 10 5
6 How Is Financial Data Reported? Financial Data Collection tool: 21 of the 22 Calls are reported electronically 1 hard copy Call Create Copy Import Validate Submit ncci.com Notifications 11 How Is Financial Data Reported? 12 6
7 Guidebook Reference Financial Call Reporting Guidebook Reference 13 Financial Call Reporting Guidebook The Financial Call Reporting Guidebook is your primary reference for instructions on completing your Financial Calls accurately. ncci.com 14 7
8 Financial Call Reporting Guidebook 1 Guidebook Overview 15 Financial Call Reporting Guidebook
9 Financial Call Reporting Guidebook Resources and Tools To support Financial Call reporting: Financial Call Reporting Guidebook Edit Matrix Data Quality Web page Financial Call season Web article with links to related circulars Financial Data Collection tool Financial data validator as assigned Webinars on Demand Data Educational Program materials 18 9
10 Premium Categories 19 Premium Categories 5 Loss Costs Rates Combined Relativities 20 10
11 Category Loss Costs 5 Loss cost states (also called competitive pricing states): Publish loss costs (also known as pure premiums) to cover indemnity (lost wages) and medical benefits Generally, loss costs do not cover expenses; carriers file a loss cost multiplier (LCM) loss cost states: Loss Cost States 5 Alabama Alaska Arkansas Colorado Connecticut District of Columbia Georgia Hawaii Kansas Kentucky Louisiana Maine Maryland Mississippi Missouri Montana Nebraska Nevada New Hampshire New Mexico North Carolina Oklahoma Oregon Rhode Island South Carolina South Dakota Tennessee Utah Vermont Virginia West Virginia 22 11
12 Category Rates 5 Rate states (also called administered pricing states): Arizona Florida Idaho Iowa Publish full rates to cover all indemnity (lost wages) and medical benefits, as well as expenses Rate deviations to be filed/approved 23 Category Rates and Loss Costs Combined states: 5 Illinois Indiana Publish both rates and loss costs, but the carrier decides which to use as the basis for its company rates 24 12
13 Category Relativities Texas 5 Texas Department of Insurance Relativities Publishes relativities, which are a set of indices between classes NCCI State-Approved Loss Costs Carriers have the option to use the loss costs 25 Premium Categories All States WA MT OR ID WY NV UT CO CA AZ NM ND MN VT ME SD WI NH NE IA MI NY MA IL RI IN OH PA CT KS MO WV NJ KY VA DE OK TN DC AR NC MD MS SC TX LA AL GA AK HI FL NCCI Loss Cost NCCI Combined Loss Cost/Rates NCCI Rates NCCI Loss Cost/Rate Relativities Independent Bureaus Monopolistic 26 13
14 Review How does NCCI use the financial data that is reported? What are the four premium categories/pricing mechanisms? What two states are combined states? Which of the following covers both losses and expenses loss costs or rates? 27 General Reporting Requirements 28 14
15 Financial Calls 4 Calls are reported on a carrier group level Group Company Company Company Exception: Texas reported at company level 29 General Experience Types s 6 and 9 Inclusions All workers compensation experience unless noted as an exclusion Exclusions Experience you would generally exclude from the ratemaking Calls 30 15
16 Excluded Experience s 6 and 9 Exclusions for ratemaking Calls: Underground coal mine classifications (including disease codes, e.g., black lung) For Virginia, also exclude surface coal mine Excess workers compensation policies Federal classifications however: Include any USL&HW experience associated with industrial classifications Maritime and other Federal Employer Liability Act (FELA) classifications for policies effective 1/1/03 and subsequent 31 Excluded Experience s 6 and 9 More exclusions for ratemaking Calls: National Defense Projects Rating Plan Reinsurance Assumed Catastrophe and Terrorism Provision Premium (Statistical Codes 9740, 9741, or 9752) Large Deductible Policies Except for Calls 20, 21, and 31 where large deductible experience is reported for Florida 32 16
17 Excluded Experience Guidebook Example 6 33 Financial Call Data Collected Data Valued as of 12/31 29 Policy Years 28 Calendar- Accident Years Summary Row for All Prior Years Continued Expansion of Specific Ratemaking Calls 34 17
18 Policy Year: 29 Years Calendar- Accident Year: 28 Years 35 Policy Year Financial Call Types 4 Premiums and losses for all policies with effective dates within that year Example: Policies with effective dates January 1 to December 31, 2014: Premium earned for those policies For all claims that develop for these policies, report under Policy Year
19 Policy Year Example Calendar- Accident Year 2013 Calendar- Accident Year /1/14 Accident Date Policy Year 2012 Policy Year 2013 Policy Year /30/14 Policy Expiration Date 7/1/13 Policy Effective Date For data valued as of 12/31/14: Report premiums to which policy year? Report losses from 5/1/14 accident to which policy year? 37 Financial Call Types 4 Calendar-Accident Year Premiums earned within a calendar year and losses with accident dates occurring in that calendar year Example: For Calendar-Accident Year 2014, include: Premium earned during 2014 Claims with accident dates occurring in
20 Calendar-Accident Year Example Premium Losses 7/1/13 6/30/14 Policy Effective Date 7/1/13 6/30/14 Policy Effective Date Calendar- Accident Year 2013 Calendar- Accident Year 2014 Calendar- Accident Year 2013 Calendar- Accident Year 2014 For data valued as of 12/31/14: Report premium transactions to CY: Report the 10/1/13 claim to AY: 10/1/13 Accident Date 39 Why Both Types of Calls? Verify the consistency of the data: Policy year vs. calendar-accident year the way the data is arranged and summarized Calendar year totals should reconcile between the policy year and calendar-accident year Calls Both Call types: historical data on earned premium, losses, claim counts, and expenses Used for analysis: loss ratios and emerging claim patterns/trends 40 20
21 Financial Call Market Types Voluntary Assigned Risk Statewide Voluntary Market Pertains to insureds that (are able to) obtain coverage through insurance companies Assigned Risk Market Pertains to insureds that cannot acquire insurance in the voluntary market and must obtain coverage through a state-assigned risk plan or pool 41 Financial Data Calls 42 21
22 Primary Ratemaking Calls 3 Policy Year 4 Policy Year Calls 3A Policy Year Assigned Risk 20 Policy Year Large Deductible (FL only) 32A Virginia Coal Mine Policy Year Assigned Risk 32V Virginia Coal Mine Policy Year Voluntary 43 Primary Ratemaking Calls 4 5 Calendar-Accident Year Calendar- Accident Year Calls 5A Calendar-Accident Year Assigned Risk 21 Calendar-Accident Year Large Deductible (FL Only) 44 22
23 Primary Ratemaking Calls 4 8 Reconciliation Report 31 Large Loss and Catastrophe Call 33 VA Coal Mine Large Loss and Catastrophe Call 45 Supplemental Ratemaking Calls 4 6 Insurance Expense Exhibit (IEE) 10 Schedule Rating and Other Prospective Premium Adjustments 19 Accident Year Countrywide Loss Adjustment Expense 46 23
24 Premium-Based and Residual Market Calls 4 1 Calendar Year Call for Workers Compensation Net Direct Written Premium 1A Calendar Year Call for Direct Assignment Net Direct Written Premium 1B Calendar Year Alternate Equivalent Premium 1C Calendar Year Kansas Municipalities Premium Exclusion 1D Calendar Year New Mexico Small Policy Exemption 47 State-Specific Calls 4 10T TX Policy Year Call for Schedule Rating Modifications 14 Calendar Year Expense (AZ, NC, and VA) 26 NC Addendums for Calls 3, 5, and
25 Compliance Forms 11 Self-Audit Form Acknowledgment Form 49 Call Reporting Requirements
26 Call Reporting Requirements 4 You are required to report Call 3 if you wrote workers compensation policies in a given state in 1986 and/or any subsequent years. 51 What Do You Need to Report?
27 Call Due Dates 2 * = Submitted hard copy ** = Subject to timeliness only in ADQIP 53 Review Time! 54 27
28 Review What are the two compliance forms collected? True or False: Excess workers compensation policy experience is included in Call 3 Policy Year True or False: All Calls are due April 1 Statewide data = and 55 Financial Call Components
29 Reporting Requirements 5 Report to the state of exposure Report on a direct basis Valued as of December Call Components Premiums Losses Claim Counts Expenses 58 29
30 Premiums s 5 and 7 59 Earned Premium Types 5 Designated Statistical Reporting (DSR) Level Company Standard Level Net 60 30
31 DSR Level Premium s 5 and 7 As though business was written at NCCI-filed and state-approved loss cost or rate levels Includes NCCI s experience rating modifications Benchmark level premium Used by NCCI for ratemaking 61 Company Standard Premium At company rates 5 Includes NCCI s experience rating modifications Prior to the application of risk-specific adjustments Helps in verifying the accuracy of DSR premium 62 31
32 Net Premium 5 After the application of all adjustments Includes NCCI s experience rating modifications Should reconcile to earned premium reported on National Association of Insurance Commissioners (NAIC) Annual Statement (state page data) 63 Financial Call Premium Call 3 Call
33 Calculating DSR Level Premium Two approaches: 7 Extending exposures Deriving DSR level premium from company standard premium 65 DSR Level Premium Other Considerations Combined Rate and Loss Cost States Illinois and Indiana DSR level is rates Relativity State Texas DSR level is relativities or loss costs
34 Premium Components Summary 5 67 Active Deviation The effective date of your filed LCM/deviation from rates The effective date of NCCI s rate or loss cost filing The filed LCM/deviation minus ( ) A rolling multiplier (Y) indicates that you automatically adopt NCCI s rate or loss cost filing on the date it is effective 68 34
35 Losses 5 69 Reporting Losses 5 Indemnity Replacement of lost wages Medical Medical care related to on-the-job injury 70 35
36 Paid Losses and Case Reserves Include losses from medical-only claims on the Calls Paid Monies paid by insurance company for claims Case Monies set aside for future payments on specific claims 71 Reporting Losses Other Items 5 Subrogation Employers Liability ( II) Coverage Independent Medical Exam Deductible Reimbursements Lump-Sum Settlements 72 36
37 Reporting Losses Other Items Subrogation A type of loss recovery for a carrier where losses paid are recovered from a third party Paid losses reduced for actual subrogation amount Case reserves can be offset by anticipated subrogation recoveries 5 73 Reporting Losses Other Items Losses Employers Liability ( II) Coverage Defense and Cost Containment Expense (DCCE) associated with employers liability ( II) coverage should be included with indemnity losses and not reported as a loss adjustment expense
38 Reporting Losses Other Items Independent Medical Examination If required by an industrial board or commission, report as a medical loss If not required by an industrial board or commission, report as DCCE 75 Reporting Losses Other Items Deductible Reimbursements Reported on a gross basis, except in Kentucky, which is net Lump-Sum Settlements Allocate accordingly to indemnity and medical 76 38
39 Call 3 Paid Losses and Case Outstanding 77 Claim Counts
40 Call 3 Indemnity Claim Counts Incurred Incurred Indemnity Indemnity Claim Claim Count (8) Count (8) 5 Indemnity payment of at least $1 or Outstanding indemnity reserve of at least $1 79 Claim Count Reporting Include Claim could have both indemnity and medical losses 5 Indemnity claims that are open, closed, or reopened Indemnity claims for Policy Year 1993 and subsequent for all states* *Texas exception Policy Year 2007 and subsequent Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved
41 Claim Count Reporting Exclude 5 Medical-only claims Claims closed with no payment Defense and Cost Containment Expense (DCCE)-only claims Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. 81 Call 3 Closed Claim Counts 5 Accumulated Closed (Paid) (9) An indemnity claim paid in full with no reserves A claim closed on the prior valuation, but reopened as of the current valuation, must be removed from Column
42 Call 3 Open Claim Counts 5 Open (Outstanding) (10) Indemnity claims with outstanding case or Defense and Cost Containment Expense (DCCE) reserves Closed claims (Column 9) + open claims (Column 10) = incurred claims (Column 8) 83 Claim Count At all times: Closed Claims Open Claims Incurred Claims 84 42
43 Expenses 5 85 Expenses Defense and Cost Containment Expenses (DCCE) Loss adjustment expenses for: Defense by the coverage provider (whether a first-party or third-party claim) for litigation involving a claim Cost containment
44 DCCE Expenses Examples: Surveillance Litigation management Fixed amounts for cost containment Fees or salaries for appraisers, private investigators, hearing representatives, reinspectors, and fraud investigators only if working in defense of a claim Attorney fees (to defend) 5 Exclude Adjusting and Other Expenses (AOE), such as fees of adjusters/settling agents (but not if a contentious defense) and attorney fees used in determining coverage 87 DCCE Expenses 5 Report DCCE paid and case For all states except Texas, required reporting for PY 1994 and subsequent Texas required for PY 2006 and subsequent Call 3 Accumulated Paid (11) Case Outstanding (12) 88 44
45 Calls 8, 31, and Call 8 Reconciliation Report 9 Reconciles the calendar year data reported to NCCI with the data reported on the carrier s NAIC Annual Statement, Statutory Page 14 Consists of calendar year direct premiums earned, direct losses (paid and incurred), and Direct Defense Cost and Containment Expenses (DCCE) paid 90 45
46 Call 8 Reconciliation Report Call 8 Line (1) comes directly from Calendar- Accident Year Call 5: Call 5 Call 8 91 Call 8 Other Reconciliation Items Excluded from NCCI Financial Call 5: 9 Federal (F)-Classifications Maritime and Other FELA Classifications Underground Coal Mine Classifications National Defense Projects Large Deductible Experience 92 46
47 Call 8 Reconciliation Items Excluded from NCCI Financial Call 5: 9 Small deductibles losses and expenses only (difference between gross and net, except KY [a subtraction item]) Excess policies Loss assessments (those excluded from losses reported to NCCI) Catastrophe premium (i.e., TRIA and DTEC) 93 Call 8 Reasons for Difference Possible Reasons for Difference: Grouping differences affiliates list Earned But Unbilled Premium (EBUB) not reported in the policy year or calendaraccident year Calls Reasons for Difference are addressed on lines Note: Reasons for Difference explanation is not necessary if the difference is between: +/ $5,000 for Premiums/Losses +/ $50,000 DCCE
48 Call 8 Example 95 Call 31 Large Loss and Catastrophe Call 9 Provides the necessary claim detail to treat large losses and Extraordinary Loss Event (ELE) catastrophes in aggregate ratemaking at the state level Includes all claims for Accident Year 1984 and later, where total incurred losses are equal to or greater than $500,000 at the time of valuation; excludes DCCE payments and reserves Open, closed, or reopened claim status 96 48
49 Call 31 Large Loss and Catastrophe Call 9 Includes ELE claims that are assigned unique catastrophe numbers: Call 31 includes Catastrophe Numbers 14, 28, 48, 77, 87, and 93 Do not report ELE or large loss claims when part of a large deductible policy Exception: Florida 97 Call 31 Large Loss and Catastrophe Call 9 A separate submission is required for each state Texas does not report this Call Subset of Calls 3, 3A, 5, 5A, 20, and 21 Report on a consistent basis with the policy year and calendar-accident year Calls 98 49
50 Call 31 Example The three market types reported within this Call are: 0 Assigned risk (other than large deductible) 2 Large deductible (Florida only) 3 Voluntary (other than large deductible) Claim status is reported as one of the following: 0 Open 1 Closed 2 Re-Opened 9 99 Call 10 Schedule Rating and Other Prospective Premium Adjustments Call Call 10 Policy year accumulated earned schedule rating adjustment for the most current five years Report adjustments at a company rate level
51 Review Time! 101 Review Name the three premium levels reported in the Financial Calls. Also which one is used in the filing? 3 On what basis should losses be reported gross or net? What is the purpose of Call 8? What amount of incurred losses constitutes a large loss? Should closed claims for large losses be reported on Call 31 for subsequent valuations?
52 Recommended Workflow Workflow Steps Review/Update Deviation Information Create Calls and Self-Audit Form Preform Initial Validation Address Edit Log Revalidate Calls Submit Calls Submit Self-Audit Form Submit Acknowledgment Form
53 Workflow Benefits 3 The recommended workflow assists you in reporting your data in two ways: Accuracy Efficiency 105 Workflow Flowchart
54 Active Deviation Review Review and Update Deviation/ Loss Cost Multiplier Information Essential for DSR level premium accuracy Financial data validator must make entries for prior policy years 107 Active Deviation Example Update Active Deviation Loss Cost Multiplier =
55 Call Creation 3 Create Financial Calls and Self-Audit Form 109 Call Creation Example
56 Call Validation 3 Validate Financial Call data 111 Call Validation 3 Edit Matrix Sample Edit
57 Call Validation Example 113 Review Edit Log Edit Review Are there edits? YES Correct Call data or provide explanations 3 NO
58 Edit Review Edit Log within Financial Data Collection Financial Call Edit Matrix, 10 of the Financial Call Reporting Guidebook 115 Edit Resolution/Explanation Resolve Presubmission Edits Correct data and/or Provide acceptable explanations to (critical to Aggregate Data Quality Incentive Program): Confirm data is correct Include specific details and amounts Address all edit components Revalidate
59 Call Submission Submit Financial Call data Compliance Forms Submit completed Self-Audit Form via Financial Data Collection Fax Acknowledgment Form with original submission
60 Self-Audit Form 1 Self-Audit Form is submitted within Financial Data Collection on an annual basis One form required per carrier group (countrywide) Confirmed Review Does Not Apply Qualified Review Self-Audit Form
61 Acknowledgment Form Last step is submitting the Acknowledgment Form Hard copy only (primarily submitted via fax) and receipt date keyed in by NCCI Only a company officer, accredited actuary, or outside consultant can sign the form Applicable for all ratemaking Calls that are due April 1 Submit before or on April 1 but after all ratemaking Calls due April Acknowledgment Form Example
62 Review Workflow Flowchart Yes Or No 123 Aggregate Data Quality Incentive Program (ADQIP)
63 ADQIP 11 Provides incentive to submit data in a timely and accurate manner Reallocates the impact of late and/or inaccurate reporting back to carriers through assessments Applies in all states where NCCI is the statistical agent for Financial Calls 125 ADQIP 11 Applies to 17 Calls: Ratemaking Calls for timeliness and quality Premium-based billing, supplemental, and state-specific for timeliness only Applies to Two Forms: Acknowledgment Form Self-Audit Form
64 ADQIP Timeliness and Quality Policy Year Calls: 3, 3A, 20, 32A, 32V Calendar-Accident Year Calls: 5, 5A, 21 Reconciliation Call: 8 Large Loss and Catastrophe Calls: 31, ADQIP Timeliness Only Quality Forms: Acknowledgment and Self-Audit Forms Premium-Based Billing Call: 1 Supplemental Calls: 10, 19 State-Specific Calls: 10T, 14,
65 ADQIP Incentive of early reporting credits: Applies to Calls 3 and 5 only Calls must be submitted by March 15 Acknowledgment Form and Self-Audit Form must be received by April ADQIP Assessments for late and/or inaccurate data: Timeliness per Call/form, per day, per state, based on each carrier s state market share
66 ADQIP Quality per edit occurrence: Unaddressed edits are subject to an assessment of $300 Corrected edits (to correct Call data by August 31) are subject to an assessment of $50 Edits with incomplete/vague or no explanation are subject to a $50 assessment Edits that require a notification are subject to a $50 assessment 131 ADQIP Edit assessment example: A Call is submitted with an unaddressed edit A notification is sent to advise that a correction or complete explanation is required The edit remains uncorrected, and the explanation is left vague and incomplete Result Amount Reason In this scenario, the $300 Unaddressed edit assessment would + $50 Blank explanation field be $400: + $50 Notification Maximum assessment = $400 per edit occurrence
67 ADQIP Other Details Consider all ADQIP program criteria Data Quality Web page Link from the Financial Call Reporting Guidebook Includes details for Performance Reports (assessment letters) and Appeal Procedures Carriers can use the online Data Manager Dashboard to monitor Call submissions, timeliness, and quality assessment status 133 Carrier Data Quality Report Card Annual Evaluation the Carrier Data Quality Report Program (Report Card): Applies to ratemaking Calls as expected for each carrier group Issued at carrier group level A measure of timeliness and quality: Grading: Timeliness Grade is based on the average days late (grade of A F) Quality Grade is based on the average number of errors (grade of Pass or Fail)
68 Data Quality Remediation Program Process where NCCI works with data providers to resolve significant data reporting issues Development of Remediation Program as outlined in the Financial Call Reporting Guidebook, including: Timeline for resolving issues Objectives to meet data reporting standards Regular communication between NCCI and data provider Regulatory monitoring/participation, if warranted 135 Review Time!
69 Review If you have an LCM of 1.690, how would you enter it in the Active Deviation screen in the Financial Data Collection Tool? True or False: It is best to create/validate your Calls on a Call-by-Call basis. How do you know if you have edits? True or False: Correct as Reported is a sufficient explanation for an edit
70
71 Supplemental Information
72
73 Presenter Biographies Brian Barnett has worked at NCCI for 14 years. He is currently a senior data analyst for the Financial Data Team in the Data Resources Division. His primary duties include serving as a lead in the Quality Program and performing data validation for complex carriers. Brian has a bachelor of science degree in geographic information systems from Florida Atlantic University. Ferne Friedberg has been with NCCI for 12 years. She is currently a lead data analyst in the Data Resources Division. Previously, she worked in the Customer Operations Division as an experience rating analyst. Prior to joining NCCI in 2002, Ferne s career was in the life insurance industry for more than 15 years, many of which were spent in life insurance underwriting.
Frequency and Severity Results by State
Frequency and Severity Results by State Based on Data Valued as of December 31, 2016 TABLE OF CONTENTS Executive Summary 2 Comparison to Trend Factors Used in Ratemaking 3 Method of Calculation 4 Caveats
More informationUnderwriting Results by State. Based on Data Valued as of December 31, 2016
Underwriting Results by State Based on Data Valued as of December 31, 2016 TABLE OF CONTENTS Executive Summary 2 Introduction to the Underwriting Results by State 5 Underwriting Results by Component 6
More informationACORD Forms Updated in AMS R1
ACORD Forms Updated in AMS360 2017 R1 The following forms will use the ACORD form viewer, also new in this release. Forms with an indicate they were added because of requests in the Product Enhancement
More informationAge of Insured Discount
A discount may apply based on the age of the insured. The age of each insured shall be calculated as the policyholder s age as of the last day of the calendar year. The age of the named insured in the
More information36 Million Without Health Insurance in 2014; Decreases in Uninsurance Between 2013 and 2014 Varied by State
36 Million Without Health Insurance in 2014; Decreases in Uninsurance Between 2013 and 2014 Varied by State An estimated 36 million people in the United States had no health insurance in 2014, approximately
More informationSTATE TAX WITHHOLDING GUIDELINES
STATE TAX WITHHOLDING GUIDELINES ( Guardian Insurance & Annuity Company, Inc. and Guardian Life Insurance Company of America (hereafter collectively referred to as Company )) (Last Updated 11/2/215) state
More informationBasics of Medical Data Call Reporting Requirements. Objectives
Basics of Medical Data Call Reporting Requirements Presented by: Grace Arrieche, Kristin Champagne, and Bob Vaughan 1 Objectives Review the basic business and reporting rules for reporting medical data
More informationACORD Forms in ebixasp (03/2004)
ACORD Forms in ebixasp (03/2004) Form number Form Name Edition Date 1 Property Loss Notice 2002/1 2 Automobile Loss Notice 2002/1 3 General Liability Notice of Occurrence/Claim 2002/1 4 Workers Compensation
More informationNCSL Midwest States Fiscal Leaders Forum. March 10, 2017
NCSL Midwest States Fiscal Leaders Forum March 10, 2017 Public Pensions: 50-State Overview David Draine, Senior Officer Public Sector Retirement Systems Project The Pew Charitable Trusts More than 40 active,
More informationmedicaid a n d t h e How will the Medicaid Expansion for Adults Impact Eligibility and Coverage? Key Findings in Brief
on medicaid a n d t h e uninsured July 2012 How will the Medicaid Expansion for Adults Impact Eligibility and Coverage? Key Findings in Brief Effective January 2014, the ACA establishes a new minimum Medicaid
More informationNon-Financial Change Form
Non-Financial Change Form Please Print All Information Below Section 1. Contract Owner s Information Administrative Offices: PO BOX 19097 Greenville, SC 29602-9097 Phone number (800) 449-0523 Overnight
More informationRequired Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans
Required Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans For Policyholders who have not annuitized their deferred annuity contracts Zurich American Life Insurance Company
More informationHousehold Income for States: 2010 and 2011
Household Income for States: 2010 and 2011 American Community Survey Briefs By Amanda Noss Issued September 2012 ACSBR/11-02 INTRODUCTION Estimates from the 2010 American Community Survey (ACS) and the
More informationComparative Revenues and Revenue Forecasts Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas
Comparative Revenues and Revenue Forecasts 2010-2014 Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas Comparative Revenues and Revenue Forecasts This data shows tax
More informationAmerican Memorial Contract
American Memorial Contract Please complete all pages of the contract and send it back to Stephens- Matthews with a copy of each state license you choose to appoint in. You are required to submit with the
More informationInstallment Loans CHARTS. No cap other than unconscionability:
NCLC NATIONAL CONSUMER LAW CENTER Installment Loans WILL STATES PROTECT BORROWERS FROM A NEW WAVE OF PREDATORY LENDING? Copyright 2015, National Consumer Law Center, Inc. CHARTS CHART 1 Full APRs Allowed
More informationLong-Term Care Partnership Overview & Training Requirements Guide
Long-Term Care Partnership Overview & Training Requirements Guide Version Sept. 12, 2012 M28108 Contents LONG-TERM CARE PARTNERSHIP OVERVIEW & TRAINING REQUIREMENTS GUIDE Long-Term Care Partnership Overview...4
More informationHealth Insurance Price Index for October-December February 2014
Health Insurance Price Index for October-December 2013 February 2014 ehealth 2.2014 Table of Contents Introduction... 3 Executive Summary and Highlights... 4 Nationwide Health Insurance Costs National
More informationSystematic Distribution Form
Systematic Distribution Form (To be used for all Qualified Plans, IRA s and Non-Qualified Plans) (This form is not applicable to a Required Minimum Distribution ( RMD ). If you are older than 70 ½, refer
More informationLong-Term Care Partnership Overview & Training Requirements Guide
Long-Term Care Insurance Mutual of Omaha Insurance Company SM Long-Term Care Partnership Overview & Training Requirements Guide 75014 Version November 16, 2015 For producer use only. Not for use with the
More informationRegulatory and Legislative Trends Workshop
2015 Annual Issues Symposium Regulatory and Legislative Trends Workshop Lori Lovgren, JD, CPCU Division Executive State Relations NCCI Ann M. Bok, FCAS, MAAA Practice Leader and Senior Actuary Actuarial
More informationFinancial Transaction Form for IRA and Non-Qualified Contracts Only
Financial Transaction Form for IRA and Non-Qualified Contracts Only (Note: See Form ZA-8642 dealing with Financial Transactions for 403(b)/TSA s) Please Print All Information Below Zurich American Life
More informationState, Local and Net Tuition Revenue Supporting General Operating Expenses of Higher Education, U.S., Fiscal Year 2010, Current (unadjusted) Dollars
State, Local and Net Tuition Revenue Supporting General Operating Expenses of Higher Education, U.S., Fiscal Year 2010, Current (unadjusted) Dollars Net Tuition $51.3 Billion 37% All State Support $73.7
More informationLIFE AND ACCIDENT AND HEALTH
201 FOR THE YEAR ENDED DECEMBER 1, 201 LIFE AND ACCIDENT AND HEALTH 201 Schedule A - Part 1 - Real Estate Owned Schedule A - Part 2 - Real Estate Acquired and Additions Made Schedule A - Part - Real Estate
More informationFinal Paycheck Laws by State
ALABAMA AL No Provision No Provision ALASKA AK 23.05.140(b) ARIZONA AZ Ariz. Rev. Stat. 23-350, 23-353 ARKANSAS AR Ark. Code Ann. 11-4-405 CALIFORNIA CA Cal. Lab. Code 201 to 202, 227.3 COLORADO CO Colo.
More informationUpdate: 50-State Survey of Retiree Health Care Liabilities Most recent data show changes to benefits, funding policies could help manage rising costs
A fact sheet from Dec 2018 Update: 50-State Survey of Retiree Health Care Liabilities Most recent data show changes to benefits, funding policies could help manage rising costs Getty Images Overview States
More informationUTILIZATION OF CAPTIVES TODAY
UTILIZATION OF CAPTIVES TODAY November 20, 2015 Prepared by: Julie Patel Vice President Marsh Captive Solutions Utilization of Captives Today Objectives of Discussion 1. Captive Basics 2. The Process of
More informationIMPORTANT TAX INFORMATION
IMPORTANT TAX INFORMATION To set up and maintain your account with WestconGroup, we require you to provide us valid Resale Certificates for all states that you are located in, as well as for any other
More informationNASRA Issue Brief: Employee Contributions to Public Pension Plans
NASRA Issue Brief: Employee Contributions to Public Pension Plans September 2017 Unlike in the private sector, nearly all employees of state and local government are required to share in the cost of their
More informationAgents Guide to Submit, Quote & Bind
Agents Guide to Submit, https://online.thezenith.com Version 05/09/2018 Table of Contents Login on TheZenith.com... 6 Login Screen... 6 Using TheZenith.com... 9 Top Navigation... 10 Small Business Eligibility...
More informationHighlights. Percent of States with a Decrease in MH Expenditures from Prior Year: FY2001 to 2010
FY 2010 State Mental Health Revenues and Expenditures Information from the National Association of State Mental Health Program Directors Research Institute, Inc (NRI) Sept 2012 Highlights SMHA Funding
More informationTThe Supplemental Nutrition Assistance
STATE SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM PARTICIPATION RATES IN 2010 TThe Supplemental Nutrition Assistance Program (SNAP) is a central component of American policy to alleviate hunger and poverty.
More informationkaiser medicaid and the uninsured commission on The Cost and Coverage Implications of the ACA Medicaid Expansion: National and State-by-State Analysis
kaiser commission on medicaid and the uninsured The Cost and Coverage Implications of the ACA Expansion: National and State-by-State Analysis Executive Summary John Holahan, Matthew Buettgens, Caitlin
More informationBY THE NUMBERS 2016: Another Lackluster Year for State Tax Revenue
BY THE NUMBERS 2016: Another Lackluster Year for State Tax Revenue Jim Malatras May 2017 Lucy Dadayan and Donald J. Boyd 2016: Another Lackluster Year for State Tax Revenue Lucy Dadayan and Donald J. Boyd
More informationPRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017
PRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017 This document provides a summary of the annuity training requirements that agents are required to complete for each
More information2017 WORKBOOK. Mandatory LTC Training
2017 WORKBOOK Mandatory LTC Training ABOUT THE AUTHOR EDUCATION CREDIT AND YOUR CERTIFICATE OF COMPLETION LTC Connection specializes exclusively in LTC insurance training and education and has been working
More informationData Note: What if Per Enrollee Medicaid Spending Growth Had Been Limited to CPI-M from ?
Data Note: What if Per Enrollee Medicaid Spending Growth Had Been Limited to CPI-M from 2001-2011? Rachel Garfield, Robin Rudowitz, and Katherine Young Congress is currently debating the American Health
More informationWorkers Compensation: Benefits, Coverage, and Costs. Sources, Methods, and State Summaries
Workers Compensation: Benefits,, and Costs Sources, Methods, and State Summaries October, 2017 Christopher McLaren & David Maddy 1 Table of Contents I. INTRODUCTION... 4 II. DATA SOURCES... 5 Table A.1.
More informationFinancial Calls Additional Premium/Loss Considerations
Financial Calls Additional Premium/Loss Considerations Presented by: Julie Gonzalez Objective Focus on specific experience types and the resulting premium and loss considerations for Financial Call reporting:
More informationFinancing Unemployment Benefits in Today s Tough Economic Times
Financing Unemployment Benefits in Today s Tough Economic Times Maurice Emsellem 7 th Annual Workers Voice State Legislative Issues Conference July 19, 2003. Today s Funding Situation The Good, the Bad
More informationNew Agent Welcome Kit
New Agent Welcome Kit 4301 Morris Park Drive Mint Hill, NC 28227 (704) 568-9649 (866) 568-9649 messerfinancial.com The Trusted Partner For Talented Agents This is the foundation that MESSER Financial was
More informationOregon Workers Compensation Premium Rate Ranking
Oregon Workers Compensation Premium Rate Ranking Calendar Year 2008 Information Management Division Oregon Department of Consumer & Business Services March 2009 Oregon Workers Compensation Premium Rate
More informationMedical Incentive Program
Medical Incentive Program January 30 February 2, 2018 Palm Beach County Convention Center West Palm Beach, FL The Path to Data Excellence Medical Incentive Program Presented by: Jim Mallon and Lisa Ferguson
More informationState Regulator Terrorism Risk Insurance Data Call July 15, DRAFT
State Regulator Terrorism Risk Insurance Data Call July 15, 2016 -- DRAFT Summary This data call is intended to serve multiple regulatory and oversight objectives with respect to the affordability and
More informationState Retiree Health Care Liabilities: An Update Increased obligations in 2015 mirrored rise in overall health care costs
A brief from Sept 207 State Retiree Health Care Liabilities: An Update Increased obligations in 205 mirrored rise in overall health care costs Overview States paid a total of $20.8 billion in 205 for nonpension
More informationHealth and Health Coverage in the South: A Data Update
February 2016 Issue Brief Health and Health Coverage in the South: A Data Update Samantha Artiga and Anthony Damico With its recent adoption of the Affordable Care Act (ACA) Medicaid expansion to adults,
More informationFISCAL YEAR 2016 AT A GLANCE Number of Authorized Firms
FISCAL YEAR 2016 AT A GLANCE Number of Authorized Firms 300,000 275,000 250,000 225,000 200,000 175,000 150,000 125,000 100,000 246,565 252,962 261,150 258,632 260,115 FY 2012 FY 2013 FY 2014 FY 2015 FY
More informationMay Complaint snapshot: Debt collection
May 2018 Complaint snapshot: Debt collection Table of contents Table of contents... 1 1. Complaint volume... 2 1.1 By product... 3 1.2 By state... 8 2. Product spotlight: Debt collection... 11 2.1 Complaints
More informationInsufficient and Negative Equity
Insufficient and Negative Equity Lack Of Equity Impedes The Real Estate Market Mark Fleming Chief Economist December, 2011 70% 60% 50% 40% 30% Negative Equity Highly Concentrated Negative Equity Share,
More informationJH Insurance Licensing Guide
JH Insurance Licensing Guide Insurance policies and/or associated riders and features may not be available in all states. Life insurance is underwritten by John Hancock Life Insurance Company (U.S.A.),
More informationALASKA. October 19,
ALASKA October 19, 2016 Maggie_Karpuk@ncci.com 818-707-8374 John_Deacon@ncci.com 818-707-8376 Alaska Workers Compensation State Advisory Forum State of the Industry Economic Overview Alaska Workers Compensation
More informationFlorida 1/1/2016 Workers Compensation Rate Filing
Florida 1/1/2016 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 21, 2015 1 $ Billions 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 Florida s Workers Compensation Premium Volume 2.368 0.765 0.034
More informationMINIMUM WAGE INCREASE GUIDE
2017-2018 MINIMUM WAGE INCREASE GUIDE The Federal minimum wage has been $7.25 since 2009, but many states and localities have passed their own minimum wage laws. Employers must pay non-exempt employees
More informationUniversity of Wisconsin System SFS Business Process AP /1042s/Tax Bolt-On
Contents 1099/1042-S Tax Bolt-On Process Overview... 1 Process Detail... 2 I. Search/Update for Existing Value 1099 / 1042 Records on the Bolt-On table... 2 II. Enter a New 1099/1042s records into the
More informationMINIMUM WAGE INCREASE GUIDE
2017-2018 MINIMUM WAGE INCREASE GUIDE The Federal minimum wage has been $7.25 since 2009, but many states and localities have passed their own minimum wage laws. Employers must pay non-exempt employees
More informationDC Contributions to the DC College Savings Plan of up to $4,000 per year by an individual, and up to $8,000 per year by married taxpayers who each mak
AK AL AR Summary of State Tax Implications for 529 Plans Current as of 04/25/2018 This information has been compiled for informational purposes only from sources believed to be reliable, however LPL makes
More informationThe Role of the Captive Manager
The Role of the Captive Manager Linda Danna Senior Vice President Marsh Management Services, Inc. Charleston, SC Conception What is a Captive? An insurance vehicle formed by an organization, not otherwise
More informationIowa. August 29,
Iowa August 29, 2018 Clarissa_Preston@ncci.com 561-945-4517 Dan_Benzshawel@ncci.com 561-893-3093 Iowa State Advisory Forum The Future@Work (Video) Countrywide Workers Compensation System Iowa s Workers
More informationCommittee on Ways and Means Democrats
DRAFT Committee on Ways and Means Democrats Representative Sandy Levin - Ranking Member Report November 7, 2013 Millions of Unemployed Americans Will Lose Benefits Unless Congress Acts Over 3 Million Will
More informationHot Topics. David Provost, Deputy Commissioner of Captive Insurance - Vermont. Robert H. Myers, Jr., Partner - Morris, Manning & Martin, LLP
Hot Topics David Provost, Deputy Commissioner of Captive Insurance - Vermont Robert H. Myers, Jr., Partner - Morris, Manning & Martin, LLP Dan Petterson, Director of Financial Examinations - Vermont Dan
More informationIndemnity Data Call Overview Live Webinar
Indemnity Data Call Overview Live Webinar Presented by: Julie Gonzalez and Kristin Champagne Objective To gain a better understanding of the reporting requirements for the new Indemnity Data Call To assist
More informationState Postal Abbreviation Codes
State Postal Areviation Codes State Areviation State Areviation Alaama AL Montana MT Alaska AK Neraska NE Arizona AZ Nevada NV Arkansas AR New Hampshire NH California CA New Jersey NJ Colorado CO New Mexico
More informationNational Vital Statistics Reports
National Vital Statistics Reports Volume 60, Number 9 September 14, 2012 U.S. Decennial Life Tables for 1999 2001: State Life Tables by Rong Wei, Ph.D., Office of Research and Methodology; Robert N. Anderson,
More information2016 Workers compensation premium index rates
2016 Workers compensation premium index rates NH WA OR NV CA AK ID AZ UT MT WY CO NM MI VT ND MN SD WI NY NE IA PA IL IN OH WV VA KS MO KY NC TN OK AR SC MS AL GA TX LA FL ME MA RI CT NJ DE MD DC = Under
More informationSTATE MOTOR FUEL TAX INCREASES:
STATE MOTOR FUEL TAX INCREASES: 2013-2018 Since 2013, 27 states have increased or adjusted taxes on motor fuel to support needed transportation investments. Twenty-four of those states increased their
More informationKENTUCKY. August 18, 2016
KENTUCKY August 18, 2016 Cathy_Booth@ncci.com 202-655-2699 Sean_Cooper@ncci.com 561-893-3072 Mona_Carter@ncci.com 561-893-3045 Ed O Daniel, Esq. 859-336-9611 Kentucky Workers Compensation State Advisory
More informationDistrict of Columbia. September 6,
District of Columbia September 6, 2018 David_Benedict@ncci.com 804-380-3005 Dawn_Ingham@ncci.com 561-893-3165 Robert_Moss@ncci.com 561-893-3794 District of Columbia State Advisory Forum Welcome-DC Department
More informationNorth Carolina Rate Bureau
North Carolina Rate Bureau July 26, 2017 CIRCULAR LETTER TO ALL MEMBER COMPANIES Re: Workers Compensation Insurance Update of Circular C-17-8 Issued July 13, 2017 NCCI Item B-1435 Revision to North Carolina
More informationSURVEY OF STATE FUNDING FOR PUBLIC TRANSPORTATION
SURVEY OF STATE FUNDING FOR PUBLIC TRANSPORTATION SURVEY OF STATE FUNDING FOR PUBLIC TRANSPORTATION Characteristics of State Funding for Public Transportation The following report provides a summary of
More informationQuality & Nondestructive Testing Industry. Salary Survey Your Path to the Perfect Job Starts Here.
Quality & Nondestructive Testing Industry Salary Survey 2011 Your Path to the Perfect Job Starts Here. ABOUT PQNDT PQNDT (Personnel for Quality and Nondestructive Testing) is the leading personnel recruitment
More informationELIMINATION OF ANNIVERSARY RATING DATE
September 20, 2016 CIRCULAR LETTER NO. 2294 To All Members and Subscribers of the WCRIBMA: ELIMINATION OF ANNIVERSARY RATING DATE The Commissioner of Insurance has approved the WCRIBMA s filing which recommended
More informationSTATE OF THE LINE REPORT
ANNUAL ISSUES SYMPOSIUM STATE OF THE LINE REPORT T H E SYSTEM @WORK KATHY ANTONELLO, FCAS, FSA, MAAA CHIEF ACTUARY NCCI Copyright NCCI Holdings, Inc. All Rights Reserved. ANNUAL ISSUES SYMPOSIUM PROPERTY/CASUALTY
More informationPercent Corporate Dividend Received Deduction. Per Share Long-Term Capital Gain Distribution
First Trust Advisors L.P 120 East Liberty Drive, Suite 400 Wheaton, IL 60187 1-800-621-1675 Fund Name (Ticker Symbol) Ordinary Qualified Corporate Dividend Received Deduction Long-Term Capital Gain Distribution
More informationSouth Carolina. November 29,
South Carolina November 29, 2018 Amy_Quinn@ncci.com 561-893-3812 Jay_Rosen@ncci.com 561-893-3062 South Carolina State Advisory Forum The Future@Work Video Countrywide and South Carolina Labor Markets Countrywide
More informationUnit Reporting State Programs and Exceptions. Unique State Programs Agenda
Unit Reporting State Programs and Exceptions Presented by: Cheryl Nye and Bruce Hallman 1 Unique State Programs Agenda Unique Deductible Programs Employer Paid/Compensation Reimbursement Programs State
More informationFinancial Firsts: When Do People Take Their First Financial Steps? Appendix: Annotated Questionnaire 1
Financial Firsts: When Do People Take Their First Financial Steps? Appendix: Annotated Questionnaire 1 Conducted for AARP by at the University of Chicago through the Amerispeak Panel Interviews: 946 adults
More informationAnnual Compliance Questionnaire. Sample
Annual Compliance Questionnaire Create custom surveys or utilize pre-built Standard Forms to collect and analyze data regarding your reps annual compliance activities. More than just a database for warehousing
More informationHealth Coverage for the Black Population Today and Under the Affordable Care Act
fact sheet Health Coverage for the Black Population Today and Under the Affordable Care Act July 2013 As of 2011, 37 million individuals living in the United States identified as Black or African American.
More informationThe Puzzling Decline in State Sales Tax Collections
The Puzzling Decline in State Sales Tax Collections Introduction This is the first of a series of papers that will investigate fiscal problems confronting the states. In spite of low unemployment rates,
More informationMotor Vehicle Financial Responsibility Forms
Alphabetical Index Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the financial responsibility forms that are
More informationMedicaid & CHIP: February 2014 Monthly Applications, Eligibility Determinations, and Enrollment Report April 4, 2014
DEPARTMENT OF HEALTH & HUMAN SERVICES Centers for Medicare & Medicaid Services 7500 Security Boulevard, Mail Stop S2-26-12 Baltimore, Maryland 21244-1850 Medicaid & CHIP: February 2014 Monthly Applications,
More informationES Figure 1 Federal Medicaid Spending Under Current Law and the House Budget Plan, % Reduction in Spending $4,591
I S S U E P A P E R kaiser commission o n medicaid a n d t h e uninsured October 2012 National and State-by-State Impact of the 2012 House Republican Budget Plan for Medicaid John Holahan, Matthew Buettgens,
More informationNew Hampshire. September 7,
New Hampshire September 7, 2018 Justin_Moulton@ncci.com 860-969-7903 Tom_Daley@ncci.com 561-893-3134 New Hampshire State Advisory Forum The Future@Work (Video) Countrywide Workers Compensation System New
More informationHousing Market Update. September 23, 2013
Housing Market Update September 23, 2013 Overview Housing market gradually recovering from the deepest and longest downturn since the Great Depression. Excess supply of housing largely worked off. Underlying
More informationKansas. October 25,
Kansas October 25, 2018 Clarissa_Preston@ncci.com 561-945-4517 Katherine_Williamson@ncci.com 561-893-3145 Kansas State Advisory Forum Guest Speaker Ken Selzer, Commissioner, and Grace Lancaster, Attorney
More informationConnecticut. October 19,
Connecticut October 19, 2018 Justin_Moulton@ncci.com 860-969-7903 Jim_Davis@ncci.com 561-893-3097 Connecticut State Advisory Forum The Future@Work Video Countrywide Workers Compensation System Connecticut
More informationForm W-4 for 2015: Best Practices and Compliance Requirements
Form W-4 for 2015: 1 Best Practices and Compliance Requirements Presented on Thursday, January 15, 2015 2 RCH Credit 3 To earn RCH, you must Stay on the webinar for the full 60 minutes Be watching the
More information2Q/16 IFTA-101 (page 1)
Fuel Type: Diesel SSN/FEIN: Carrier Name: Return Due Date: August 01, 2016 F G H I J K L M N O P Jurisdiction Total IFTA Miles Taxable Miles MPG from E above Maine Bureau of Motor Vehicles IFTA Quarterly
More informationMonthly Complaint Report
August 2016 Monthly Complaint Report Vol. 14 Table of contents Table of contents... 1 1. Complaint volume... 2 1.1 Complaint volume by product... 3 1.2 Complaint volume by state... 7 1.3 Complaint volume
More informationMedical Incentive Program
NCCI S Medical Incentive Program January 26 29, 2016 Palm Beach County Convention Center West Palm Beach, FL Medical Incentive Program Presented by: Chris Mercer and Lisa Ferguson Objectives MIP Learn
More informationMotor Vehicle Financial Responsibility Forms
Alphabetical Index Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the financial responsibility forms that are
More informationHow is the Affordable Care Act Leading to Changes in Medicaid Today? State Adoption of Five New Options
P O L I C Y B R I E F kaiser commission on medicaid and the uninsured How is the Affordable Care Act Leading to Changes in Medicaid Today? State Adoption of Five New Options May 2012 One primary goal of
More informationApplication Trade Credit Insurance Multi Buyer
Chubb Global Markets Political Risk & Credit 1133 Avenue of the Americas New York, NY 10036 (212) 835-3138 (NY) (312) 612-8827 (Chicago) (213) 612-5512 (Los Angeles) Application Trade Credit Insurance
More informationIntroduction to Financial Data Reporting. Page 1 of 20
Introduction to Financial Data Reporting Page 1 of 20 LESSON 1: OBJECTIVES To understand the critical role that NCCI plays in the workers compensation industry To gain an understanding of what Financial
More informationTHE COST OF MEDIGAP PRESCRIPTION DRUG COVERAGE
MPR Reference No.: 8733-330 THE COST OF MEDIGAP PRESCRIPTION DRUG COVERAGE August 6, 2001 Submitted to: Office of the Secretary Assistant Secretary for Planning and Evaluation U.S. Department of Health
More informationehealth, Inc Fall Cost Report for Individual and Family Policyholders
ehealth, Inc. 2010 Fall Cost Report for and Family Policyholders Table of Contents Page Methodology.................................................................. 2 ehealth, Inc. 2010 Fall Cost Report
More informationAlabama. September 21,
Alabama September 21, 2018 Laura_Hart_Bryan@ncci.com 225-635-4481 Jay_Rosen@ncci.com 561-893-3062 Alabama State Advisory Forum The Future@Work Video Countrywide Workers Compensation System Alabama Workers
More informationNASRA Issue Brief: Public Pension Plan Investment Return Assumptions
NASRA Issue Brief: Public Pension Plan Investment Return Assumptions Updated February 2017 As of September 30, 2016, state and local government retirement systems held assets of $3.82 trillion. 1 These
More informationVirginia. August 1,
Virginia August 1, 2018 David_Benedict@ncci.com 804-380-3005 Jay_Rosen@ncci.com 561-893-3062 Virginia State Advisory Forum The Future @Work (Video) Countrywide Workers Compensation System Virginia s Workers
More informationWest Virginia. August 16,
West Virginia August 16, 2018 David_Benedict@ncci.com 804-380-3005 Dan_Cunningham@ncci.com 561-893-3027 West Virginia State Advisory Forum The Future @Work (Video) Countrywide Workers Compensation System
More information