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2015 Advisory Pure Premium Rate Filing Submitted to CDI

Today, the WCIRB submitted its January 1, 2015 Pure Premium Rate Filing to the California Department of Insurance (CDI) proposing advisory pure premium rates that average $2.86 per $100 of payroll effective January 1, 2015.

The average proposed advisory pure premium rate in the Filing is approximately 11.3% higher than the industry average filed pure premium rate of $2.57 as of July 1, 2014 and 6.7% higher than the average advisory pure premium rate of $2.68 as of January 1, 2014.

In a cover letter accompanying the Filing, WCIRB President and CEO Bill Mudge cited a number of factors contributing to the proposed increase including:

  • Continued adverse medical loss development
  • Greater recognition of changing long-term medical paid loss development patterns
  • Continued high levels of indemnity claim frequency
  • Higher than anticipated loss adjustment expense inflation in part attributable to less than projected frictional costs savings resulting from Senate Bill No. 863 (2012)
  • Lower than forecast wage growth
  • Modest increase in the experience rating off-balance correction factor

The Filing and all related documents, including a detailed executive summary highlighting the Filing’s major components, are available on the Regulatory and Pure Premium Rate Filings page of the WCIRB website (

The CDI will schedule a public hearing to consider the Filing. Once the Notice of Proposed Action and Notice of Public Hearing is issued, the WCIRB will post a copy on the Regulatory and Pure Premium Rate Filings page of the website.

For More Information

Regulatory and Pure Premium Rate Filings

Governing Committee Authorizes Filing (August 12, 2014)

August 19, 2014