USE OF RULES MANUALS

A general rules manual may show the bureauís 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 NCCIís 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 Bureauís 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 workersí 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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