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Will NCCI ARD Elimination Change Premium Audits? – Correction


NCCI ARD Elimination Change Premium Audits

The NCCI ARD elimination has hit the Work Comp blogosphere over the last few days.  The ARD (Anniversary Rating Date) is covered in a guide by NCCI.

Pin Marking The Calendar Date NCCI ARD Elimination Graphic

The Anniversary Rating Date Guide  by NCCI covers the subject more than one could ever expect to see on paper or a screen.

NCCI has, in my opinion, correctly decided to eliminate the ARD and instead just use the policy date.   Of course, there will have to be many exceptions.

Texas eliminated the ARD in January of this year.

A blog reader emailed in this question – Will The Elimination of The ARD affect the premium audit schedules.  We have our yearly premium audit coming up in November.

My answer is  – NCCI is just simplifying and eliminating somewhat archaic terms to lessen the confusion of the WC insurance rating process.   There should be no difference in any of your policies or premium audit schedules – in almost all cases.

Your premium audits will be scheduled at the usual time as in the past- within one month of policy expiry.

The only concern you might have if the ARD and policy date is not the same.  NCCI will likely align the two dates in the near future.  The policy date will be called the Rating Effective Date. 

Correction (From NCCI) – The elimination of the ARD has no impact on the rating effective date (RED) used for experience rating purposes.

The bottom line is that, unless you have a unique policy renewal or expiry situation, you will likely see no difference.

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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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