WCIRB Experience Modification Estimators

The Experience Modification Estimators are spreadsheet-based applications for insurers, agents and brokers to help policyholders understand how X-Mods are computed.

Calculate your X-Mods

The Experience Modification Estimators (Estimator) are spreadsheet-based applications for insurers, agents and brokers to help policyholders forecast changes to their experience modifications. The estimated experience modifications resulting from these applications rely on payroll, classification and claims information supplied by the user. Actual classifications, payroll and claims amounts used by the WCIRB to calculate an experience modification may be different. Users will get detailed printable results for each estimated experience modification. User-entered data can be copied and pasted between the two spreadsheets. The Estimator is for informational purposes only. Results are only estimates and not published experience modifications. For help on any of the Estimator’s features and tips on obtaining an accurate estimate, open the Help Guide available on the first tab as a downloadable PDF.

Current Version

September 1, 2024 Experience Modification Estimator

This application estimates an experience modification based on the September 1, 2024 Experience Rating Plan values including expected loss rates, D-ratios and primary thresholds that vary by employer size that have been approved by the California Insurance Commissioner. As with the prior Estimators, this Estimator relies on payroll, classification and claims information supplied by the user. A Help Guide is available in the Estimator to assist users.

Previous Versions

2023
2022
2021
2020
eSCAD Header

Version Updates

Users who choose to download and save the Estimator to their computer are responsible for ensuring that they are accessing the most current version. The WCIRB will notify users of any version updates via wcirb.com and the WCIRB News and Notes e-newsletter. Make sure to subscribe today!

Explore More

Regulatory Filings

California’s Experience Rating System

Webinars & On-demand Videos