USE OF RULES MANUALS

A general rules manual may show the bureau’s advisory rates, the loss costs calculated by the bureau, or they may be omitted altogether, depending on how open rating has been implemented in that state.                                    

                   

States Using NCCI’s Rules Manuals
Alabama1	Illinois1	Mississippi	South Carolina1
Alaska	Indiana1	Missouri1	South Dakota1
Arizona	Iowa	Montana	Tennessee
Arkansas1	Kansas	Nebraska1	Utah1
Colorado	Kentucky1	New Hampshire1	Vermont1
Connecticut	Louisiana1	New Mexico1	Virginia1
District of Columbia1	Maine1	North Carolina	Wisconsin
Florida	Maryland1	Oklahoma1
Georgia1	Massachusetts	Oregon1
Idaho	Minnesota1	Rhode Island1

                                                

States Using an Independent Bureau’s Rules Manuals
Delaware	New Jersey	Pennsylvania1
Hawaii1	New York	Texas1

                                             

States Requiring Insurers to File Their Own Manuals
California1	Michigan1

 

The monopolistic fund states are Nevada, North Dakota, Ohio, Washington, West Virginia, Wyoming.

 

¹  Open rating states.

 

Note:  As of this writing, Hawaii was considering adopting the NCCI Basic Manual, and Massachusetts was in the process of developing its own basic manual.

 

REGULATION OF FORMS

 

Despite the dramatic changes that have taken place in workers’ compensation in recent years, regulators still require insurers to use the policy forms and endorsements filed by the designated workers compensation rating bureau in 40 of the 44 states that allow private insurers to write workers compensation insurance.  All insurers must use the same forms and provide the same coverage(s).

 

Perhaps one reason for the continuation of this requirement is that workers compensation coverage is basically dictated by state statutes.

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