INTRODUCTION THINK EDUCATE CHANGE. Thank you forcontinuing to supportoureforts to provideinsightintothestate sworkers compensation system.
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2 THINK INTRODUCTION EDUCATE In its 104th yearofoperation,the Rating Board is welcoming change and embracing chalengeswith a renewedsenseofpurpose.bythisstateofthesystem report,the accompanying research studies,and the presentationsmadeatthe2017newyorkstateworkers CompensationForum,wearebeginningtomakeournew vision toserveastheobjectivethought-leaderinthe marketplace areality.webelievethatbyleadingthe workers compensation industry in this way,we wil educatestakeholders,inform policymakers,andprovide immeasurablevalue. Thank you forcontinuing to supportoureforts to provideinsightintothestate sworkers compensation system. CHANGE JeremyAtie PresidentandCEO
3 Key figures Numberofcarierswriting policiesin2016 Directwritenpremium in calendaryear2016 ApprovedLossCostDecrease -2.8% AnnualExperienceReview -1.7% 2017LegislativeReforms 02
4 PayrolandPremium Data 1 (data source) New YorkPayrol Payroldataobtainedfrom thenew YorkStateDepartmentofLaborincludes employersthathavepurchasedaninsurancepolicyfrom aprivateinsurance companyorthestateinsurancefund,aswelasself-insuredemployers Thediferencebetweenthelinesprimarilyrepresentstheself-insurancemarket UnitStatisticalReportPayrolreportedtotheRatingBoardincludesonly employersthathavepurchasedaninsurancepolicyfrom aprivate insurancecompanyorthestateinsurancefund 2 New YorkDirectWritenPremium A(definition) INSIGHT SincetheGreat Recession, premium volumeinnew YorkStatehas grownsteadily 03
5 MarketShares 3 AlthoughtheNewYorkStateInsuranceFundwrote over41% ofthedirectwritenpremium intheinsured market,thispremium representsonlyabout20% of theentiremarketplace DirectWritenPremium DirectWritenPremium -NetofDeductible B StandardWritenPremium StandardWritenPremium IncludingSelf-Insured 4 MarketSharebyCalendarYear(DirectWritenPremium) State Insurance Fund Private Cariers TheStateInsuranceFundmarketshare decreased2.7% in
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7 Top10Classifications PayrolandPremium Dataarecolectedby occupationalclassification 6 C INSIGHT Thetop10 governing classes by payrol represent63% ofthe totalstatewidepayrol and 20% of the standardpremium 7 INSIGHT The top 10 governing classes by standard premium represent 30% ofthestatewide premium and 43% of thepayrol 06
8 DistributionbyPremium Size 8 Over$50,000 Policieswithpremiumsover$50,000 representlessthan4% ofpoliciesbut accountfor72% ofpremium 07 Under$5,000 Policieswithpremiumsunder$5,000 represent77% ofpoliciesbut accountforonly6% ofpremium
9 2017Reform Components ProvisionsReflectedinthe2017LossCostFilings MAXIMUM MEDICALIMPROVEMENT CaponTimetoReachMaximum MedicalImprovement( MMI ) Temporary benefits for non-scheduled permanentpartialclaimsarecappedat 2.5 years(i.e.,time to MMI),absenta board determination based on medical evidence,thatmmihasnotbeenreached WORKFORCE AttachmenttoWorkforce Once a claim has been classified, claimants are no longer required to demonstrate atachment to the job markettoreceiveindemnitybenefits FIRSTRESPONDERS Stress-RelatedInjuriesforFirst Responders SAFETYNET ExtremeHardshipSafetyNet Certainemergencyfirstresponders(paid police officers and firefighters,emts, paramedics,certifiedemergencymedical providers,and emergency dispatchers) whoencounterextraordinarystressina work-relatedemergencyandfileamental injury claim,wilno longer need to overcomethedefensethatthestresswas not greater than that which usualy occursinthenormalworkenvironment Reducestheeligibilitycriteriathreshold toapplyforanextremehardshipredetermination from an 81% loss ofearning capacity to a 76% loss of earning capacity 08
10 2017Reform Components AdditionalProvisions ImpairmentGuidelinesfor Schedule-Loss-Of-Use Implementationdeadline: January1,2018 PrescriptionDrug Formulary Tobeestablishedby December31,
11 Approved LossCost Decrease WeareproudtoreportthatinJulyof2017,theNew YorkState DepartmentofFinancialServicesapproved theratingboard s actuarialy recommended 4.5% average loss costdecrease, ensuringthatlosscostsinthestateremainatadequatelevels. This approvalrepresents the second straightyearthatthe Departmentapprovedthelosscostchangerecommendedbythe Rating Board sactuarialcommitee,and isthe resultofour titirelessefortstobuildastrongpartnershipwithourregulators andmaintainahealthymarketplace. JeremyAtie PresidentandCEO 10
12 ApprovedRate/ LossCostLevelChanges 9 New YorkManualRate/LossCostHistory Cumulativechangefor thelast20years(1998 to2017)is+15% OnOctober1,2017,the losscostlevelwil decreaseforthefirst timesince2008 Rate LossCost CumulativeChange 10 LatestApprovedRates/LossCostFilings(excludinglegislativechanges) INSIGHT Generaly,losscostlevelsin neighboringstateshavebeen decreasing,somesignificantly 1
13 MarketPricingVariation AlthoughmostprivatecarriershaveanLCM between1.3and DistributionofPrivateCariers ApprovedLossCostMultipliers.mostoftheirpremium isgeneratedbypolicieswithanlcm ofunder DistributionofPrivateCariers WritenPremium bylosscostmultiplierrange StandardWrittenPremium WeightedAverageLCM =1.21 DirectWrittenPremium WeightedAverageLCM =
14 IndividualRiskRating INSIGHT 13 StandardPremium Distribution There are severaldiferentprograms that alow for pricing to beter fit individualrisks These programs may be applicable dependingonsizeofrisk,experience, andotherrisk-specificfactors INSIGHT Although only20% ofpolicies areexperiencerated,theyrepresent almost 81% of the standard writen premium in NewYorkState RiskCountDistribution 14 ScheduleRating ImplementedonJanuary1,2015 RatingBoardPolicyData-PoliciesWritenin
15 AverageExperienceModification Theaverageintrastateexperiencerating modificationfactorinnewyorkstateis RiskCountDistribution 16 StandardPremium Distribution Premium Premium % 14
16 INSIGHT Foreverydolarof premium colected, insurancecarierswilpay outmorethanadolarin lossesandexpenses (investmentincomenot included) 17 D Beginningin2014, premiumsdonotinclude thenew YorkState Assessment,resultingina one-timeadjustmentto theexpenseratio MarketResults Calendaryearcombinedratioshavebeen stableforthelastthreeyears,butasof 2016,theyarestilinexcessof100% CalendarYearCombinedRatios 18 AccidentYearCombinedRatios Theone-time2014expense ratiodecreaseisevident INSIGHT Since2010,accidentyear lossratioshavebeen decreasing 15
17 New YorkStateClaim Frequency, ClosureRates,andPaymentPatern 19 LostTimeClaim Frequency Claim frequencyisthenumber oflosttimeclaimsper$1m of premium Overthelastfouryears,claim frequencyinnew YorkState hasbeenrelativelyflat 20 Claim ClosureRatesandPaymentPatern E While98.1% ofthemedical onlyclaimsareclosedbythird report,0.4% ofmedicalonly claimsremainopenaftertenth report Althoughalmost80.4% oflost timeclaimsareclosedby fourthreport,theremaining openclaimsmaytakealong timetoclose 8.4% ofthelosttimeclaimsare stilopenaftertenthreport Attenthreport,only71.8% of losseshavebeenpaidout 16
18 IndemnitySeverityTrends 21 IndemnitySeverityistheaverageindemnitycostperlosttimeclaim 22 IndemnitySeverityvs.AverageWeeklyWage INSIGHT Indemnityseverity hasincreasedatafasterpacethan thestate saverageweeklywage 17
19 MedicalSeverityTrends 23 MedicalSeverity istheaveragemedicalcostperlosttimeclaim INSIGHT Medicalseverity continuesto increasebutata slowerratethanin yearspast 24 MedicalSeverityvs.MedicalCPI INSIGHT Changesinmedicalseverity appearlargelyconsistent withchangesinthe MedicalConsumerPriceIndex 18
20 DistributionofLosses 25 Indemnityvs.MedicalLosses 26 DistributionofIndemnityandMedicalLossesbyInjuryType Unlikemoststates,indemnitylossesinNew YorkStaterepresentalargershareoftotal lossesthanmedicallosses 19 19
21 DistributionofLosses 27 DistributionofTotalClaim CountsbyInjuryType 28 DistributionofTotalLossesbyInjuryType Althoughmedicalonly claimsaccountformore than60% ofclaims, theyrepresentlessthan 3% ofthetotallosses Permanentpartialclaims accountfor71.3% ofthe losses,eventhough theyrepresentonly 17.5% oftheclaims 20
22 DistributionofLosses 29 DistributionofTotalLossesbyIndustryGroup FoodandBeverageManufacturing ChemicalManufacturing AlOtherManufacturing Contracting StoresandDealers ProfessionalsandOffice Services Miscelaneous Maritime,Admiralty,andFederal 30 DistributionofTotalLossesbyHazardGroup A -LeastSevere B C D E F G -MostSevere 21
23 GroupSeverities INSIGHT TheContractingIndustry(Group4)hasthehighestseverity 31 AverageCostPerLostTimeClaim byindustrygroup INSIGHT Severitybyhazardgroupisbehavingasexpectedwiththe severityincreasingbyhazardgroupfrom AtoG 32 AverageCostPerLostTimeClaim byhazardgroup 22
24 33 PartofBody Injuriestothelowerback,knee,andshoulder representasignificantpercentageoflosses Top10injuriesbytotalclaim count Top10injuriesbytotallosses 23
25 34 Distributionof Medical Costs Distributionof Physician Services Distributionof Facility Services 24
26 PrescriptionDrugSpending 37 MAJORDRUG CATEGORIES Opioidsarethe largestcategoryof prescriptiondrug spending 38 BREAKDOWN OFTOPOPIOIDS Oxycodoneandits combinationsaccountfor 15.8% ofalprescription drugspending 39 PrescriptionDrugtoTotalMedicalRatio INSIGHT Prescription drug spending asa shareofmedicaldolarsincreases asclaimsage After10 years,thepercentageof drugspendingaverages47% 25
27 THANKYOU Weremainthankfulforthesupportand involvementofourmembershipand otherstakeholdersinthemarketplace, andwewisheveryonecontinued successinthecomingyear. JeremyAtie PresidentandCEO
28 Chart1:New YorkPayrol NewYorkStateDepartmentofLabor CalendarYears RatingBoardUnitStatisticalData PolicyYears Chart2:New YorkDirectWritenPremium InsuranceCariers'AnnualFinancialStatements NewYorkStateAssessmentNotIncludedin2014and SubsequentYears Chart3:MarketShares RatingBoardFinancialData-CalendarYear2016 InsuranceCariers'AnnualFinancialStatements- CalendarYear2016 NationalAcademyofSocialInsurance-October2016, Workers'CompensationBenefits,Coverage,and Costs(BasedonBenefitsPaidin2014) Chart8:DistributionbyPremium Size RatingBoardUnitStatisticalData PolicyYear2014 Chart9:New YorkManualRate/LossCostHistory RatingBoardApprovedManualRate/LossCost Filings Chart10:LatestApprovedRates/LossCostFilings (excludinglegislativechanges) PublicFilingsintheReferencedStates Chart1:DistributionofPrivateCariers Approved LossCostMultipliers NewYorkStateDepartmentofFinancialServices Chart4:MarketSharebyCalendarYear (DirectWritenPremium) InsuranceCariers'AnnualFinancialStatements Chart12:DistributionofPrivateCariers Writen Premium bylosscostmultiplierrange NewYorkStateDepartmentofFinancialServices RatingBoardFinancialData-CalendarYear2016 Chart5:MarketShare TopTenCarierGroups InsuranceCariers'AnnualFinancialStatements- CalendarYear2016 Chart6:Top10GoverningClasses Payrol RatingBoardUnitStatisticalData-PolicyYear2014 Chart7:Top10GoverningClasses StandardPremium RatingBoardUnitStatisticalData-PolicyYear2014 Chart13:StandardPremium Distribution RatingBoardUnitStatisticalData-PolicyYear2014 RatingBoardExperienceRatingSystem,Intrastate PolicieswithRatingsEfectiveApril2016-March2017 Chart14:RiskCountDistribution RatingBoardUnitStatisticalData-PolicyYear2014 RatingBoardExperienceRatingSystem,Intrastate PolicieswithRatingsEfectiveApril2016 March2017
29 Chart15:RiskCountDistribution RatingBoardExperienceRatingSystem,Intrastate PoliciesWithRatingsEfectiveMay2016-April2017 Chart21:IndemnitySeverity RatingBoardFinancialDataPolicyYears LossesDevelopedtoUltimateandAdjustedto CurentBenefitLevels Chart16:StandardPremium Distribution RatingBoardExperienceRatingSystem,Intrastate ModificationforPoliciesfrom May2016-April2017, StandardPremium Consistsoftheentireexperience periodof3years Chart17:CalendarYearCombinedRatios RatingBoardFinancialData InsuranceCariers'AnnualFinancialStatements SIFDataisExcludedforDividendRatioandExpense Ratio **2013PremiumsandLossesExcludeSIFData Chart22:IndemnitySeverityvs.AverageWeeklyWage RatingBoardFinancialDataPolicyYears Claim CountsDevelopedto5thReport LossesDevelopedtoUltimateandAdjustedto CurentBenefitLevels NewYorkStateDepartmentofLaborCalendarYears Chart23:MedicalSeverity RatingBoardFinancialDataPolicyYears LossesDevelopedtoUltimateandAdjustedto CurentBenefitLevels Chart18:AccidentYearCombinedRatios RatingBoardFinancialData InsuranceCariers'AnnualFinancialStatements ExcludesLargeDeductibleExperience SIFDataisExcludedforDividendRatioandExpense Ratio Chart24:MedicalSeverityvs.MedicalCPI RatingBoardFinancialDataPolicyYears Claim CountsDevelopedto5thReport LossesDevelopedtoUltimateandAdjustedto CurentBenefitLevels BureauofLaborStatisticsMedicalConsumerPrice IndexCalendarYears Chart19:LostTimeClaim Frequency RatingBoardFinancialDataPolicyYears Claim CountsDevelopedto5thReport PremiumsDevelopedtoUltimateandAdjustedto CurentLevels Chart20:Claim ClosureRatesandPaymentPatern byinjurytype RatingBoardUnitStatisticalData RatingBoardFinancialData Chart25:Indemnityvs.MedicalLosses NewYorkState-RatingBoardFinancialDataPolicy Year2015 LossesDevelopedtoUltimateandAdjustedto CurentBenefitLevels CountrywideInformation-NCCI Chart26:DistributionofIndemnityandMedical LossesbyInjuryType RatingBoardUnitsStatisticalDataPolicyYears LossesDevelopedtoUltimate
30 Chart27:DistributionofTotalClaim Counts RatingBoardUnitStatisticalDataPolicyYears Claim CountsDevelopedto5thReport Chart28:DistributionofTotalLossesbyInjuryType RatingBoardUnitStatisticalDataPolicyYears LossesDevelopedtoUltimate Chart34:DistributionofMedicalCosts RatingBoardMedicalDataServiceYear2016 Chart35:DistributionofPhysicianServices RatingBoardMedicalDataServiceYear2016 Chart36:DistributionofFacilityServices RatingBoardMedicalDataServiceYear2016 Chart29:DistributionofTotalLossesbyIndustry Group RatingBoardUnitStatisticalDataPolicyYears LossesDevelopedtoUltimate Chart30:DistributionofTotalLossesbyHazard Group RatingBoardUnitStatisticalDataPolicyYears LossesDevelopedtoUltimate Chart37:MajorDrugCategories RatingBoardMedicalDataServiceYear2016 Chart38:BreakdownofTopOpioids RatingBoardMedicalDataServiceYear2016 Chart39:PrescriptionDrugtoTotalMedicalRatio RatingBoardMedicalDataServiceYears Chart31:AverageCostPerLostTimeClaim by IndustryGroup RatingBoardUnitStatisticalDataPolicyYears LossesDevelopedtoUltimate Chart32:AverageCostPerLostTimeClaim byhazard Group RatingBoardUnitStatisticalDataPolicyYears LossesDevelopedtoUltimate Chart33:PartofBody RatingBoardUnitStatisticalDataPolicyYear2014
31 DefinitionA DirectWritenPremium isthepremium chargedonpolicies,afterapplicationofalpremium adjustments,suchas premium discounts,deductiblecredits,andthelike. DefinitionB StandardPremium isthepremium priortotheapplicationofpremium discountsanddeductiblecredits. DefinitionC GoverningClassistheoccupationalclassificationonapolicy(e.g.,plumbing)thatgeneratesthemajorityof premium,subjecttoafewexceptionssetforthintheworkers CompensationandEmployersLiabilityManual. DefinitionD CombinedRatiorepresentstheratiooflosses,expenses,anddividendstopremiums.Forexample,acombinedratio of10% meansthatforeachdolarofpremium colected,aninsurerpaidout$1.10inlossesandexpenses.this statisticdoesnotaccountforinvestmentincome. DefinitionE ClaimsReportLevelappearsontheUnitStatisticalReportsandisthevaluationperiodofaclaim.Thefirstreport referstothevaluationofclaimsasof18monthsfrom theefectivedateofthepolicy.eachsubsequentreportis valuedin12monthincrements.forexample,thesecondreportreferstoclaimsvalued30monthsfrom theefective dateofthepolicy,andthe10threportreferstothevaluationofclaims126months(10.5)yearsaftertheefective dateofthepolicy.
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