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Introduction  General  Welcome to "Comp Clues" 
24-Hour Coverage  General  24-hour coverage or Integrated Disability Management (IDM) is any combination of traditional health and workers compensation insurance which together strives to eliminate the boundaries between occupational and nonoccupational coverage.; 
Algorithm for Premium  Policy Rules  The method and steps for calculating Indiana workers compensation insurance premium. 
Alternate Employer Endorsement  Forms  Wording and explanation of the Alternate Employer Endorsement, WC 00 03 01 A 
Americans with Disabilities Act  Law  Overview of the Americans with Disabilities Act of 1990. It is designed to "remove work place barriers to an individual with a handicap." 
Amish & Workers Compensation  Law  Discussion of the exclusion of Amish workers in several states WC systems. 
Anniversary Rating Date  Basic Manual Rules   
ARAP & SARAP  Residual Market  Definition for Assigned Risk Adjustment Program and Simplified ARAP. 
A-Rate Elimination  A-rates  All A-rated (average-rated) codes in Indiana were discontinued effective 5/1/95 per item filing B-1323.; 
Articles of Agreement in WCIP  Residual Market  The Articles of Agreement are included in the Workers Compensation Insurance Plan (WCIP).; 
Assigned Risk - Premium Installments  Residual Markets  Describes procedure to require payment in full after second notice of non-pay. 
Assigned Risk: ACORD Forms  Residual Market  ACORD Forms 130 & 133, with instructions, for submitting assigned risk applications. 
Assigned Risk: Agent Commission  Residual Market  Assigned risk commission table, commissions paid within 30 days, and commission includes premium from assigned risk surcharge.; 
Assigned Risk: Binder Date  Residual Market  We can bind coverage the day after postmark or proof of courier pickup. If no proof, then we bind the day after bank deposits check.; 
Assigned Risk: Deposit  Residual Market  Deposits of 100%, 75%, 50%, or 25% required, based on estimated annual premium size; where to mail applications.; 
Assigned Risk: Eligibility FAQ's  Residual Market  This document answers frequently answered questions about eligibility for the assigned risk market and discusses situations that disqualify an employer for assigned risk coverage.  
Assigned Risk: Files Open  Law  Bureau assigned risk records "shall be open to any bureau member or its authorized representative."; 
Assigned Risk: Indiana Pool  Residual Market  Information about the "Indiana Assigned Risk Reinsurance Pool" effective 1/1/05. The article contains these sections: Assigned Risk 101, Indiana Pool, Indiana Pool Pros & Cons, Multistate Assigned Risk Policies, and For More Information.; 
Assigned Risk: Players and Documents  Residual Market  Explains how the assigned risk market works in terms of who the players are and what documents are involved.; 
Assigned Risk: Reasonable Offer  Residual Market  Rule on offer of regular (or voluntary) coverage with a premium greater than the assigned risk premium. 
Assigned Risk: Recent Developments  Residual Market  An overview on the recent results in the assigned risk market. 
Assigned Risk: Surcharge  Residual Market  Explanation of the Indiana assigned risk surcharge of 25%. 
Assigned Risk: Transfer of Policy - Ownership Change  Policy Rules  The standard WC policy permits a transfer with the carrier's approval. There are several reasons why a transfer may not be a good idea. 
Assigned Risk: VCAP  Residual Market  Explanation of the NCCI Voluntary Coverage Assistance Program (VCAP® Service), not used in Indiana. 
Attorney Involvement  States  Indiana among lowest state with incidence of attorney involvement in workers compensation, based on 2017 WCRI report.; 
Audit  Policy Rules  Carrier or the ICRB may audit the insured's records within 3 years after the policy period ends.; 
Balance Billing  Law  The practice of providers billing employees and employers for unpaid balances is prohibited. 
Bars to Compensation  Legal  Some employee activities prohibit an injury to be covered by workers compensation. 
Benefit Levels - Indiana WC Law  Law  Information on Indiana workers compensation benefit increases.; 
Board Forms  Forms  PDF files for several of the Workers Compensation Board of Indiana forms.; 
Business Entity Types  Law  Discussion of the types of business entities: sole proprietorship, partnership, corporation, S-corporation, limited liability company (LLC), nonprofit corporation, limited partnership, limited liability partnership (LLP).  
Cancellation  Law  Laws and rules regarding cancellation of workers compensation policies; Pro rata and short term examples.; 
Capacity - Capital - Supply - Surplus - & Equity  WC Results  Capacity, capital, supply, surplus, & equity are all basically about how much surplus an insurance company has (the cash cushion used to pay claims) -- and the resulting amount of premium it can write. 
Carrier Filings Report    Rate guide - a list of carrier advisory rate and loss cost filings 
Catastrophe: How Treated in WC Rules  Basic Manual Rules  Rules that deal with catastrophe. 
Chemical Codes 4828 & 4829  Basic Manual Rules  Chemical and Dyestuff Rating Plan eliminated effective 7/1/96. The 48 codes in the Plan were replaced by 2 codes.; 
Claim Data  General  The latest national data from the Bureau of Labor Statistics (BLS) and Indiana data from the Indiana Department of Labor. 
Claim Dispute or Appeal  Law  The Worker's Compensation Board of Indiana can informally assist parties to resolve claim disputes or formally hear a disputed case before a hearing officer. 
Class Code Changes and Additions  Basic Manual Rules  Listing of new class codes and class updates introduced in recent years.; 
Classification Assignment  Basic Manual Rules  Summary of rules and when changes take effect.; 
Classification Code List  Classification  Links to websites that contains rates, classification code lists by alphabet and numeric, and manuals. 
Classification System: Sample Explanation  Classification  Explains the system and the process when a new code is being considered.; 
Coal Exposure, But Not a Coal Mine  Basic Manual Rules  The extra premium charge for this disease exposure is reported under Code 0164. 
Combined Ratio  General  Combined ratio definition; countrywide and Indiana state results.; 
Commission or Fee    Licensed producer may charge a fee on a commercial transaction in which he or she also receives a commission if the provisions of Indiana Code 27-1-15.6-24 are followed. 
Competitive Rating in Indiana  Ratemaking  Effect of competitive rating in Indiana broken out by three types of rate departures: policyholder dividends, schedule rating, and carrier deviations.; 
Consent-to-Rate Filing  Law  Rules summary for when a carrier is charging a rate in excess of what's already on file with the DOI.; 
Contingent Workers Compensation  Forms  Explains contingent or "if needed" coverage for workers compensation, mostly for homeowners. 
Contracting Classification Premium Adjustment Program  Experience Rating  Some states (not Indiana) have a Contracting Classification Premium Adjustment Program (CCPAP). It provides discounts to contractors who pay higher than average wages.; 
Correction  Policy Rules  Explains rules regarding the correction of class codes and experience ratings, and their effect on premium.; 
Data Collection  General  Description of data collected from ICRB members for the Bureau to carry out its functions. 
Deductible and Coinsurance  Law  Effective 1/1/92, Indiana law permits deductible and coinsurance options for workers compensation policies; examples given.; 
Disease Loading  Basic Manual Rules  Discussion on the Basic Manual Disease Loading rule with special attention to Indiana limestone. 
Dispute Resolution  Policy Rules  The ICRB has a process for addressing disputes through its Dispute Resolution Committee ("DRC") and assigned risk rules.  
Dividends  Remuneration  A dividend is a distribution of surplus or profit to a stockholder of a corporation and not normally considered remuneration.; 
Elected or Appointed Official  Law  Elected or appointed official can be covered for workers compensation; sites law and how to do it.; 
Employee Leasing & PEOs  Basic Manual Rules  Discussion on employee leasing, PEOs; laws, rules for classification and experience rating, assigned risk rules.; 
Employee vs. Independent Contractor  Independent Contractor  Discussion on the legal issue; laws, rules, pros and cons, IRS forms.; 
Employer Must Carry Insurance  Law  IC-22-3-2-2 requires employers (with some exceptions) to carry workers compensation coverage.; 
Employers Liability  Basic Manual Rules  The other part of the standard workers compensation policy - employers liability insurance provides coverage for damages because of bodily injury to an employee; standard and increased limits, statistical codes.; 
Employers Liability - Stop Gap  States  A gap exists in employers liability insurance coverage for an employer who has operations in a monopolistic state fund state. There are ways to stop or "fill" the gap.; 
Excess Loss Factor (ELF)    Classes are placed into hazard groups based on their excess ratios  
Excluded Workers  Law  List of employees who are exempt from the Indiana WC Act or who may elect optional coverage.; 
Exclusive Remedy  Law  When a worker is injured, there is only one (or exclusive) solution (or remedy) - he or she receives workers compensation benefits.; 
Executive Officer  Basic Manual Rules  Discussion on the laws, types of officers, rules, classification, and premium determination. 
Ex-medical Coverage  Basic Manual Rules  Coverage that excludes medical benefits, meaning the employer would be responsible for paying the medical portion.; 
Experience Rating Adjustment (ERA)  Experience Rating  Effective 7/1/98, the Experience Rating Plan was adjusted to allow a 70% discount for medical only claims.; Paying small claims;  
Experience Rating Overview  Experience Rating  The Experience Rating Plan tailors, or modifies, the price of insurance and provides an incentive for safety. 
Experience Rating: Experience Period  Experience Rating   
Experience Rating: Explaining Mods  Experience Rating  Explanations on how one large loss affects the rating, that the ICRB makes no judgements on losses reported to us by carriers, and that experience continues even if employer changes operations. 
Experience Rating: Maximum Mods  Experience Rating  Experience rating modifications have maximum limits based on a formula.; 
Experience Rating: Noncompensable Claims    Explains impact to the experience modification resulting from a ruling a claim is noncompensable. 
Experience Rating: Range of Mods  Experience Rating  Chart showing the range of Indiana intrastate experience ratings for the most recent available year. 
Experience Rating: Split Point    Explanation of change to primary/excess split point 
Extra-Territorial Guidelines  Classification Interpretations  Suggestions on where to assign payroll for multi-state exposures.; 
F Classes  Classification Interpretations  The "F" class contains both federal and state elements within its rate.; 
Family & Medical Leave Act (FMLA)  Law  Overview of FMLA and relationship to workers compensation. 
Federal Acts  Law  Summaries of LHWCA, FECA, FCMHSA, Jones Act, FELA, MSAWPA; 
Fee Schedule  Law  Indiana will have a workers compensation medical fee schedule beginning 07/01/14. A billing review service must adhere to IC § 22-3-3-5.2. 
FEIN Registration  General  Where to register for a Federal Employer Identification Number (abbreviated as FEIN or EIN).; 
Filings List  Basic Manual Rules  List of item filings made in Indiana. 
Filings List Archive    List of item filings from 1989 through 2004 
Filings Open to Public  Law  ICRB rate filings and item filings are open to the public.; 
Foreign Coverage  Law  Discussion of foreign country exposures and how coverage is provided.; 
Glossary  General  Definitions of frequently asked insurance terms in alphabetical order. 
Governing Rules  Basic Manual Rules  Summary of rules for governing class, governing state, and governing policy. 
Gramm-Leach-Bliley Act  Law  Overview of the Financial Services Modernization Act (S. 900) also known as the Gramm-Leach-Bliley Act. 
Hazard Groups  Retrospective Rating  Hazard Groups differentiate the degree of hazard for classifications from the least hazardous (group A) to the most hazardous (group G). 
Health Insurance Portability and Accountability Act (HIPAA)  Law  Federal regulations give people the right to find out who's looking in their records and for what purpose.; 
History of Workers Compensation  General  Links to descriptions of workers compensation: history and market conditions 
Hot Topics  ICRB General  Quick news and other interesting items. 
ICRB Assessment & Reapportionment  General  Explanation of the ICRB assessment and reapportionment process.; 
ICRB Authority  General  The Bureau is granted authority from three sources to exercise its enforcement responsibility.; 
ICRB Circulars  General  List of circulars and PDF files containing their contents.  
ICRB Governing Board Members  General  List of current Governing Board members from September to September. 
ICRB History  General  Lists of the bureau names, addresses, and managers since 1935.; 
ICRB Map & Directions  General  Picture and Word document with map and directions. 
ICRB Meeting Agendas  General  List of meeting agendas and PDF files containing their contents. 
ICRB Members  General  Sections on: ICRB membership count, state ranking by insurance company count, statute references that create bureau members, ICRB $250 minimum assessment, and list of members.; 
Illegal Aliens  Law  Discussion if illegal aliens (undocumented workers) are entitled to workers compensation benefits and summary of IRCA. 
Indiana Code - Organizational Structure  Law  An explanation of the hierarchy of the Indiana Code (Title, Article, Chapter, Section). 
Indiana Department of Insurance  Regulations  IDOI address, phone numbers, website, mission, copies of filings, and complaint contact. 
Indiana Insurance Guaranty Association  Law  An organization to guarantee payment of claims if a carrier goes bankrupt. 
Indiana Public Employers Plan (IPEP)  General  IPEP is a group self-funded workers compensation program for Indiana public employers. 
Indiana Self-Insurers Association  General  An alliance of self-insured businesses and third party administrators. 
Industry Groups  Ratemaking  Five categories of classification codes used in ratemaking.; 
Injury and Loss Codes  Reports  Brief description of Injury Type code and Loss Condition code for unit statistical reporting.; 
INSafe Assessment    Description of the Indiana In Safe Assessment 
Insurance Basics  General  Three basic principles.; 
Interested Persons List  Law  Indiana law requires someone who is making a rate filing to notify anyone who has asked to be placed on the interested persons list.; 
Interstate Rating  Experience Rating  List of states (11) not part of the interstate rating program, and rules on intra to inter.; 
Joint Underwriting Association  States  Type of insurance mechanism established in a state to act as the market of last resort.; 
Joint Venture  Experience Rating  Summary of experience rating rules for joint ventures 
Limited Liability Company  Law  Discussion of a relatively new type of business entity. LLC members treated like partners in Indiana WC. 
Longshore Authorization  Law  Authorization requirements of the USDOL to write LHWCA insurance.; 
Loss Adjustment Expense  Data Reporting  Explanation of ALAE and ULAE 
Loss History Report  Regulations  IDOI expects property and casualty carriers to cooperate in providing loss history reports (loss runs) to insureds.; 
Loss Sensitive Rating Plan  Residual Market  Mandatory assigned risk retrospective rating program for employers having residual market premium of $250,000 or more ($100,000 before 1/01/2012).  
Losses: Likely to Develop or Unlikely  Filings  Breakdown of losses into Likely to Develop or Not Likely to Develop categories in the annual rate filing.; 
Losses: Unlimited in Pure Premiums  Ratemaking  Losses are limited, but then are adjusted to an unlimited basis. 
M Classifications  Filings  Explanation of "M" classes which previously were "A" rated, but now have a rate.  
Managing General Agent (MGA)  General  MGAs and MGUs provide special expertise and management to insurance and reinsurance companies that ordinarily would not be able to assume certain types of risks without their assistance. 
Maritime or Admiralty Coverages  Law  Summarized information from the US Department of Labor, Office of Administrative Law Judges Law Library, Judges' Benchbook: Longshore and Harbor Workers' Compensation Act.; 
Market Trends  General  Recent news bits about P&C insurance and the Indiana economy that we come across from various sources.; 
Medicare and Workers Comp  Law  A discussion of the interaction between Medicare benefits and workers compensation benefits. 
Mergers & Acquisitions  General  Summary of insurance industry mergers and acquisitions that come to our attention.; 
Milestones  General  Listing of dates of importance and special interest to the ICRB.; 
Minimum Premium  Ratemaking  Minimum premium rule, recent minimum premiums by year, minimum premium formula.; 
Minor Employees  Law  Discussion of the requirement to provide workers compensation to minor employees.  
Multi-state Employer  Basic Manual Rules  Discussion of the issues facing multiple state employers.; 
National Workers Compensation Reinsurance Association  Residual Market  Explanation of the National Workers Compensation Reinsurance Association (NWCRA). NOTE: Indiana withdrew from the NWCRP effective January 1, 2005. 
New Members Information  General  Bullet items to inform new members about Indiana workers compensation.; 
Nonratable Disease Element  Disease  A nonratable disease element is that portion of an advisory rate that accounts for the disease being covered (black lung, asbestosis, silicosis, etc.).; 
Ohio Forms C-110 & C-112  States  Ohio permits a worker to accept Ohio's act (Form C-110) or another state's act (Form C-112) 
OSHA Ergonomics Program  Regulations  OSHA CFR 29 - Ergonomics Program: "What Must I do if Temporary Work Restrictions or Removal From Work are Needed?"; 
OSHA Reporting  Law  Summary of employer types who are required to report to OSHA. 
Other States Insurance  Policy Rules  Discussion on Other States Insurance coverage: why needed, what's covered, and assigned risk rules.; 
Ownership Rules  Experience Rating  In-depth, generic explanation of why workers compensation experience follows the business owner.; 
Ownership: Partnership Split  Experience Rating  When a partnership dissolves, we may not be able to transfer the previous experience to one partner.; 
Ownership: Recalculate Rating  Experience Rating  Rule on recalculating a rating: within and after 90 days of change.; 
Participating and Non-participating Companies  Policy Rules  Participating company offers a dividend on its policies, and a non-participating company does not. 
Passenger Seat Surcharge  Rules  Passenger Seat Surcharge eliminated effective 01/01/2015  
Payroll - Limited vs Unlimited Payrolls  Remuneration  Total payroll is the most equitable measure of distributing the cost of job related injuries among similar employers.; 
Payroll Deductions for WC Impermissible  Law  Employers are not permitted to take payroll deductions to pay for worker's compensation insurance.; 
Payroll: Group Insurance  Remuneration  Generally, payments by an employer to group insurance or pension plans are excluded.; 
Payroll: Inclusions & Exclusions  Basic Manual Rules  Review of Basic Manual Rule 2.B. regarding what items are included and excluded to determine payroll for workers compensation insurance. 
Penalty For No Insurance  Law  An employer is required to carry insurance or self-insure. If not, it commits a Class A infraction. An insurance company that violates the workers compensation statute commits a Class C infraction.; 
PERF (Pension Fund)  Law  Explanation of the Public Employees Retirement Fund (PERF) for police and firefighters.; 
Plan vs. Pool Explanation  Residual Market  Brief description of the distinction between the assigned risk plan and pool.; 
Police Reserve Officers  Legal  Police reserve officers may be covered by WC medical and burial benefits. 
Policy Coverage: No Limits, Presumed to Cover All  Law  Workers compensation policy is "presumed to cover all the employees...of the insured."; 
Policy Forms  Law  The ICRB files all standard forms with the IDOI on behalf of all members for their use.; 
Policy Year vs. Accident Year vs. Calendar Year  Ratemaking  Explanation of the differences among these type of data for workers compensation insurance.; 
Poor Relief Recipient  Law  A poor relief recipient is covered for only medical treatment and burial expenses benefits under the Workers Compensation Act.; 
Premium Discount Examples  Basic Manual Rules  Examples for multi-state, mutli-table; and different anniversary rating dates.; 
Premium Discount Program 1/1/96  Basic Manual Rules  Premium Discount is optional for a carrier to apply to each insured in Indiana and mandatory in most other states.; 
Premium Discount: Combination of Policies  Basic Manual Rules  Combination of policies for premium discount is permissable; anniversary rating date rule is a factor.; 
Premium Tax  Law  Indiana premium tax is based on a percent of gross premiums received on policies covering risks during the preceding calendar year less reinsurance, returned premiums and cancellations, dividends paid or credited to insureds, and unearned premiums. ; 
Premium Totals & Definitions  General  Annual premium amounts, premium level changes, and various premium definitions.; 
Pricing Components of WC Policy  General  Several rating and pricing programs (e.g. schedule rating, premium discount, dividends) offer significant premium swings.; 
Proof of Coverage  General  Explanation of the proof of coverage program used by the WC Board since 1/1/98.; 
Rate Change Endorsement  Policy Rules  When to use the Rate Change Endorsement.; 
Rate Filing  Filings  Discussion of the rate filing process, advisory rates, assigned risk rates, loss costs, and carrier choices.; 
Rate Filing: Law Only  Filings  Explanation of the "law only" advisory rate filings recently filed with July effective dates.; 
Rate Filing: Medical/Indemnity Split  Filings  In each rate filing, exhibits show the split between medical and indemnity losses, expressed as a percent.; 
Rate Level vs. Premium Level Change  Filings  Explanation of the difference between rate level change and premium level change.; 
Reference Sources  General  As we research questions and issues about workers compensation, we have found these references helpful. 
Regularly & Frequently  Basic Manual Rules  Discussion on applying the "regularly & frequently" rule for executive officers.; 
Reinsurance  General  Discussion of reinsurance basics. 
Reserves  Experience Rating  Explanation of reserves, IBNR, and impact on employers.; 
Residual Market Results & Burden  Residual Market  The burden measures to what extent insurance companies who participate in the assigned risk pool must subsidize the losses in the assigned risk market. 
Residual Market Summary  Residual Market  Summary of Bureau responsibilities, assigned risk plan, pooling mechanism, and pool financing.; 
Retrospective Rating Plan  Retrospective Rating  Explanation of retrospective rating concept, operation, and formula.; 
Return to Work  General  Summary of return to work programs. 
Sarbanes-Oxley Act  Law  Summary of the Act which protects investors and reforms accounting practices. 
Schedule Rating  Experience Rating  Explanation of the only schedule rating plan available in Indiana.; 
Schedule Z Data  Reports  Summary description of Schedule Z data. 
Search Tips  General  Tips on performing searches in this database.; 
Second Injury Fund  Law  Explanation of covered benefits and assessments payable.; 
Self-Insurance  Regulations  Self-insured employers in Indiana are regulated by the Workers Compensation Board of Indiana; contact information.; 
Self-Insurance - Group  General  Similar employers join together to insure themselves.; 
Servicing Carrier Allowance  Residual Market  History and amounts of allowances since 1991. 
Servicing Carrier Contacts  Residual Market  Servicing carrier toll free telephone numbers and general email addresses. 
Servicing Carrier On-Site Audit  Residual Market  Explanation of the on-site servcing carrier audit process. 
Servicing Carrier Standards  Residual Market  Summary of servicing carrier standards in effect for Indiana. 
Short Term Policy  Law  Short term policies are permitted in Indiana as of July 1, 2013 
State Abbreviations  States  Table of state alpha and numeric abbreviations.; 
State Agencies and Bureaus  Independent Bureaus  Listings of state agencies and bureaus (rating organizations) that are responsible for workers compensation in their respective states; and assigned risk administrators (where to send applications). 
State Comparisons  States  List of studies that compare workers compensation rates and benefit costs among the states, as well as some economic comparisions.  
State Funds  States  Explanation of state funds (operated by a state) that issue workers compensation policies, just like an insurance company.; 
Statutory Accounting Principles (SAP)  Regulations  The regulatory requirements insurance companies must follow in reporting their financial status.; 
Subrogation (and Waiver)  Policy Rules  Explanation of the legal concept of subrogation and its presence in workers compensation rules.; 
Swing Limits  Ratemaking  The annual rate filing process calculates a maximum deviation or "swing limit" to prevent severe changes in advisory rate from year to year. 
Take-Out Credit Program  Residual Market  A program to encourage carriers to remove (or take out) employers from the residual market.; 
Terrorism  Ratemaking  News bits and observations about the impact of terrorism on the insurance industry. 
Township Trustee  Law   
Trucking  Classification  Discussion of law, rules, and guidelines; coverage issues arise due to the interstate operations of the industry.; 
Unemployment Compensation  Regulations  The employer's Unemployment ID Number is a field requested (not required) on the IAIABC EDI POC reporting format.; 
Unicover WC Pool  General  Simple explanation of the Unicover workers compensation reinsurance pool which collapsed in 1999.; 
Unpaid Interns  Law  Discussion of coverage applicability to unpaid interns 
USP Reporting Due Dates  Policy Rules  Chart showing Unit Statistical Plan reporting requirements by month. 
Volunteer Firefighters  Law  Explanation of the volunteer fire company "book of business" and coverage requirements.; 
Volunteers  Law  There are three groups of volunteers in Indiana that are each covered in a different manner.; 
Waiver of WC Rights Invalid  Law  Agreement by an employee to waive his rights under the WC Act is invalid.; 
Work Release Programs  Legal  Are offenders in work release jobs eligible for Indiana workers compensation benefits? 
Workers Compensation Costs  Ratemaking  News bits on the costs of workers compensation system to employers and consumers.; 
Wrap-Up Construction Projects  Basic Manual Rules  Explanation of rules, features, and benefits of Wrap-Up Construction Projects.; 

The material in this document has been prepared and shared for informational purposes only and should not be relied upon as legal advice on any particular situation.