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My X-MOD Calculation Sheets – How Can I Obtain Them?


California X-Mod Calculation Sheets

A Question From One of Our Readers – In one of your old posts, you went through how Workers Comp E-Mods (Experience Modification Factors – also known as X-Mod Calculation sheets) are calculated. My company is in California only. How do I go about obtaining a copy of my X-Mod calculation sheets?

Graphic of X-MOD Calculation Icons

The rating organization that covers California is the Workers Compensation Insurance Rating Bureau (WCIRB). They are responsible for all the X-Mod calculations in the state of California.

You SHOULD HAVE received an E-Mod directly from the WCIRB, your insurance carrier, or your agent. I would suggest contacting your agent to obtain a copy. If you are a small company that does not use an agent, you should contact your insurance carrier. The X-Mod Rating Sheets are a little confusing.

It may be best to have your agent explain the sheets to you.  You may always contact us using the contact form on the J&L website.

If you would like to contact the WCIRB, their web address for the worksheets can be found here.

The WCIRB is very helpful, but they will not give out any type of advice or an opinion, especially over the phone.

Next Up – How to Dispute an X-Mod Calculation

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Experience Mod Predictions Accurate?

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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