1 Resources

Rate Filing: Medical/Indemnity Split

In each rate filing, exhibits show the split between medical and indemnity losses, expressed as a percent.;

Overview

The rising cost of medical care is a major issue facing the workers compensation industry. The portion of workers compensation benefits attributable to medical costs have grown over the last two decades, and Indiana’s portion has always been higher than the countrywide average.

 

Category

Medical

Indemnity

Country – 1986

45%

55%

Country – 2006

59%

41%

Indiana –

policy year 2016 developed to ultimate

71%

29%

 

Data from Indiana Rate Filings

In each rate filing, exhibits show the split between medical and indemnity losses, expressed as a percent.

 

Percent
Filing
Indemnity
Medical
1/1/1999
35%
65%
7/1/1999
35%
65%
1/1/2000
35%
65%
7/1/2000
35%
65%
1/1/2001
38%
62%
1/1/2002
38%
62%
1/1/2003
37%
63%
1/1/2004
35%
65%
1/1/2005
35%
65%
1/1/2006
28%
72%
1/1/2007
27%
73%
1/1/2008
26%
74%
1/1/2009
27%
73%
1/1/2010
25%
75%
1/1/2011
26%
74%
1/1/2012
26%
74%
1/1/2013
25%
75%
1/1/2014
24%
76%
1/1/2015
25%
75%
1/1/2016
​24% ​76%
1/1/2017
27%
73%
1/1/2018 29% 71%
1/1/2019
29%71%

 

The source for the 2019 data can be found in the 2019 Filing, Appendix C-I


​Additional Resources
Publications that to show the apportionment of WC costs between medical and indemnity:

 
 

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