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F Classes

The "F" class contains both federal and state elements within its rate.;

In cases where an insured claims exposure under the Longshore and Harbor Workers' Compensation Act (LHWCA), it is not necessary to add a state code in addition to the "F" class on the assigned risk application. The "F" class contains both a federal element and a state element within its rate, so it contemplates both types of exposure. This means that for employers claiming such federal exposure, only an "F" class is needed, not both the "F" class and a "state act only" class, unless the employer's exposure meets the criteria under the Basic Manual Rule 2.E.1.a.-Exceptions (Rule IX-A.5.b.) and makes split classification necessary.

Class codes not followed by the letter "F" do not include premium for operations subject to the LHWCA. Therefore, if operations under such classifications are subject to the LHWCA, it is necessary to re-classify using an "F" code, if appropriate, or to load the manual rate to include this exposure. The factor used to load the federal element into the rate can be found in the state miscellaneous value pages.

What statistical code is used for reporting premium under LHWCA coverage?
A policy written with LHWCA exposure must have an endorsement (WC000106A) attached to include Longshore coverage, and the class code assigned to the policy should be followed by the letter (F) for LHWCA exposure (if it's not a code already contemplating longshore coverage). When the unit stat card is issued, the regular class code is to be used, however, under the exposure code a (21) is shown which indicates longshore & full coverage.

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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.