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2020 Experience Modification Estimator Available on

The Workers’ Compensation Insurance Rating Bureau of California (WCIRB) has released its 2020 Experience Modification Estimator (Estimator) for insurers, agents and brokers to help policyholders understand how payroll and claims experience will affect the computation of their 2020 experience modification (X-Mod). 

By entering policyholder-specific payroll, classification and claims information into the Estimator, users can obtain an estimated X-Mod using proposed 2020 California Workers’ Compensation Experience Rating Plan—1995 values (including expected loss rates, D-Ratios and primary thresholds that vary by employer size). 

The Estimator’s spreadsheet format makes it easy for users to view and simply copy and paste data into the application and then view, print or save detailed estimated 2020 X-Mod information based on that data.

To use the WCIRB 2020 Experience Modification Estimator, free of charge, click on the following link:

The 2020 Estimator will be updated with the final approved experience rating values once the Insurance Commissioner issues a Decision on the WCIRB’s January 1, 2020 Regulatory Filing, and it will be available in the Learning Center of 

The Estimator is for informational purposes only, and results are approximations based on the information entered. The Estimator does not produce WCIRB-published X-Mods. For more information and helpful tips on how to use the Estimator, go to the WCIRB Experience Modification Estimators page.

Related Information

January 1, 2020 Regulatory Filing
Experience Rating Information 


August 1, 2019