We recompute your experience modification, and show you our work.
A free diagnostic report for California home care, home health and hospice agencies. It answers three questions: is your mod calculated correctly, is your payroll classified and reported correctly, and what is the gap costing you.
What it is not. The Mod Analysis is not an insurance quote, not a guarantee of premium, and not an actuarial opinion. It is a review of published rating data and your own policy documents, performed by a licensed broker. You are under no obligation, and we do not need to contact your current broker to produce it.
Two documents, and neither one tips off your broker.
Your experience rating worksheet
You are entitled to one free copy per year, directly from the WCIRB. Most operators have never been told this. The only thing the WCIRB cannot supply is your policy number — you will need that from your declarations page.
The worksheet also publishes your loss-free rating: the mod you would carry with zero losses. The distance between that and your actual mod is the entire opportunity, and it is printed right there.
EXPERIENCE RATING FORM
WCIRB · issued annually · one free copy a year
- Expected losses E
- $46,400
- Primary threshold
- $13,500
- Expected excess Ee
- $31,970
- Actual primary Ap
- $4,222
- Loss-Free Rating
- 0.69
- Experience Modification
- 0.78
The Loss-Free Rating is printed on the form. It is the modification you would carry with zero losses — the floor available to you. Most operators have never been told it exists.
The gap between the two numbers is the whole opportunity. Nine points here. Every point is worth roughly 1% of manual premium before your schedule credit, so this one is measurable to the dollar.
Your declarations page
Specifically Item 4, the classification schedule. This is where your carrier's own filed rates appear — and those are what you actually pay. Advisory pure premium rates run well below them, so any analysis built on published rates alone understates the real number substantially.
| Code | Classification | Remuneration | Rate | Premium |
|---|---|---|---|---|
| 8827 | Home care services | $1,200,000 | 5.100 | $61,200 |
| 8810 | Clerical office employees | $50,000 | 0.450 | $225 |
- Manual premium
- $61,425
- Experience modification
- 0.78
- Standard premium
- $40,245
The rate is the point. 5.100 is your carrier's filed rate. The WCIRB advisory rate for 8827 is 2.794 — carriers file well above it. Any analysis built on published rates understates what a change is worth to you.
- Experience period
- 3 policy years
- Expected losses E
- $46,400
- Primary threshold
- $13,500
- Actual primary losses Ap
- $4,222
- Loss-free rating
- 0.69
- Experience modification
- 0.78
Two numbers, not one. The worksheet publishes your loss-free rating — the modification you would carry with zero losses. The distance between it and your actual modification is the entire opportunity, and it is printed right there. Most operators have never been shown it.
As an enrolled WCIRB Connect broker, we can request your ratesheets, inspection reports and Comprehensive Risk Summary with digital authorization from you. No broker of record letter, no disruption to your current relationship.
Eight to twelve pages. Every finding carries a dollar figure.
Classification review
Non-medical versus skilled under 8827(1) and 8827(2), clerical split eligibility under 8810 and 8871, the scheduler and coordinator grey zone, and drift into 9096.
Payroll reporting
The overtime premium portion and the recordkeeping condition it depends on, executive officer caps, mileage and per-diem treatment, and 1099 handling.
Mod recalculation
We recompute independently and audit the worksheet against it — wrong policy periods, duplicated claims, subrogation not credited, ownership and combination errors.
Claim-level review
Which claims sit near your primary threshold, since those are the only ones where reducing value moves the number, plus closure opportunities under Section VI Rule 8.
Frequency and cause analysis
Patient handling, slips in client residences, auto, cumulative trauma and violence, with tenure at time of injury broken out.
Three-year forecast
Do nothing, corrections applied, or corrections plus a return-to-work program — each as a mod delta against your actual manual premium.
The report closes with a dated action calendar and a single page on what we would do differently. We deliver it on a scheduled call rather than as an email attachment, because the findings need explaining.
There is a deadline you should know about.
If your modification contains an error, a corrected — lower — mod applies retroactively only if the WCIRB is notified in writing within three months of the erroneous mod's effective or publication date. Miss that window and the correction takes effect going forward only. You do not get the overpayment back.
Separately, requests for review carry their own deadlines: classification disputes within twelve months of policy expiration, and modification disputes within six months of issuance or twelve months of expiration, whichever is later.
Which is why the analysis is worth doing when your mod is issued, not when your renewal is due.
Four short steps.
Nothing here obligates you to anything, and we will not contact your current broker.