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State Fund is California's largest provider of workers' compensation insurance and a vital asset to California businesses. State Fund supports California's entrepreneurial spirit and plays a stabilizing role in the economy by providing fairly priced workers' compensation insurance making California workplaces safe, and restoring injured workers.



 

Changes to Experience Rating (X-Mod) Calculations in 2019

January 17, 2019

The California Insurance Commissioner recently adopted a new method for calculating the experience modification rating (“X-Mod”) for workers’ compensation insurance. This new formula took effect January 1, 2019, and now excludes the first $250 of every claim.

This new calculation method is designed to remove the disincentive for employers to report minor workplace injuries, including those that require medical-only or first-aid treatment, and also improve the timeliness of claims reporting.

Timely reporting of workplace injuries, even minor ones, can reduce the overall cost of a claim, help injured workers return to the job faster, and possibly impact premium amounts.

The WCIRB has created this guide to reflect the changes and help explain the new formula in greater detail.

For additional support, State Fund’s Customer Service Center is available at 888-782-8338.

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Established in 1914 by the state legislature, State Fund is California’s most reliable provider of workers’ compensation insurance and a vital asset to California businesses. State Fund supports California’s entrepreneurial spirit and plays a stabilizing role in the economy by providing fairly priced workers’ compensation insurance, helping California employers keep their workplaces safe, and restoring injured workers.

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