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Split Point

California Xmods = Heavy Penalty For Repetitive Accidents

California Insurance Commissioner Approves 2017 Changes California Xmods also known as Experience Modification Factors calculations are changing drastically in 2017.  A very important term for California employers  in the next few years is the term variable split point. Split points are the amount at which the Total Incurred for a

NCCI NCRB New Mod Calculation Presentation This Week

My Upcoming Mod Calculation Presentation The NCCI NCRB new Mod calculation are the subject of my upcoming presentation.  I will be presenting on Tuesday March 5th for the Charlotte Association of Insurance Professionals  on the new E-Mod (Experience Modification Factor) calculation.   All North Carolina Workers Compensation policies that are renewed

Safety and EMods – Highlights From My Presentation From Today

Presentation Highlights – Safety and EMods Are Very Related How Safety and EMods intermingle was the basis for most of the highlights from my presentation. The NC Mid State Safety Council was kind enough to ask me to do a presentation on how safety programs impact an employer’s bottom line from

Split Points – Largest Workers Comp Concern Presently

Largest Workers Comp Concern Today Seen As Split Points The Split Points became the Largest Workers Comp concern presently.   I am presenting at the North Carolina Mid State Safety Council conference tomorrow.  A few weeks ago I was contemplating what would be the largest concern for safety, human resource,

Split Point Question Concerning E-Mods and NCCI Changes

E-Mods Concern – NCCI Split Point Many of the split point changes by NCCI are starting to hit the radar screens.  I received this question last week from one of our blog readers on split points.   “We have a .98 E-Mod.  Our E-Mod has always been between .90 and

Split Point Reserve Changes by NCCI – Five Ways To Prepare

Five Ways To Prepare – Upcoming Split Point Reserve Changes by NCCI NCCI has already enacted the Split Point Reserve changes. In my opinion, the first year will have the most impact as the Primary Portion of the loss will double from 5,000 to 10,000. This will have a big

NCCI Split Point Debate – Which Employers Will Take the Hit?

NCCI Split Point Debate – Employers End Up Taking The Hit The Split Point Debate points to employers taking the hit.  I had an interesting question earlier this week on the upcoming NCCI Split Point changes. Over the last few weeks, I have received quite a few emails on how

Split Points – There Is No Such Thing As Small Claim – Part III

Split Points – A Small Claim – Part III  Split points represent the line between as the Primary and Excess Loss parts of a claim.  Well, we have covered how a small claim is not really such a tiny claim after all. The one thing that we often see in workers

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