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Workman's comp

Competitive policies Offered by some states that compete with private insurers for the workman's comp business in the state
Monopolistic Funds The state covers all workman's comp in the state and does not allow private insurers to write workman's comp business in the state. Monopolistic states North Dakota, Ohio, Wyoming and Washington
voluntary coverage Provides coverage to injured employees not covered by state law requirements and gives he employee the option of accepting the WC coverage or of suing the employer for compensation
Compulsory compensation Federal laws mandate coverage for certain types of employees, U.S civil employees and civilian employees at military bases
Second injury fund A state fund set up to encourage the hiring of the handicapped or disabled . The state pays the benefits for prior injuries. Th employer is only required to cover the most recent injury
Experience modification factor Premiums are modified on the basis of employers prior loss experience, encouraging the employer to take steps to minimize losses
Job classification In job classification or manual rating , premiums are based on job classifications or payroll
Premium discounts Credits are given to larger employers because some expenses associated with the premium rate do not change with the employers size
Retrospective rating Premiums adjusted at the end of the policy period due to actual losses and exposure amounts that can vary during the policy period
Workers comp rating organization An individual or organization, other than an insurer , or a group of two or more insurers acting together , whose purpose is to make rates , rating plans or rating systems
Premium audit A way for insurers to modify the premium at the end of the policy period to reflect the actual risk exposure
Federal employees liability act(FELA) Mandates coverage for railroad workers
Outer continental shelf lands act Mandates coverage for workers on the subsoil and seabed of the outer continental shelf and structures built on it as if they were an area of federal jurisdiction in a state
U.S Longshore and harbor workers compensation act Mandates coverage for workers who load,unload,build or repair ships. Also covers workers on yachts
The Jones Act Mandates coverage for crews of ocean vehicles
Created by: Jenny10795