Experience Modifier
Chiitiko chinogadzirisa is a numeric factor iyo yakawedzerwa ne premium yako. Iko kunogadzirisa kunogona kunge kuderera, kuenzana, kana kukura kupfuura 1.0. A modifier iyo inopfuura ma1 1.0 ichaita kuti chikwereti (premium reduction) apo shanduko inopfuura 1.0 ichaguma ne debit (premium kuwedzera).
Chiitiko chinogadziriswa chinoratidzwa nevashandi vanogadzirisa sangano sangano. Izvi zvinofanira kuva NCCI kana kambani yako ichiita bhizinesi mune imwe yenyika yeKCCI. Kana zvisina kudaro, yako shanduko ingangove yakatarwa nehurumende yehurumende yekuongororwa mahofisi. Hazvina mhosva kuti sangano ripi rinokurudzira iwe shanduko yako, rinofanira kupa pepa rekushandura rinotsanangura maitiro ako ekuchinja. Iko rinogadzirisa inorongwa maererano nemakore matatu emakore ekubhadhara kwako uye kurasikirwa. Idzi ruzivo runopiwa kune sangano rekutsvaga nemu inshuwarisi yako .
Ichi chinyorwa chichajekesa Nhoroondo yeCCCI Work Worksheet. Kunyange zvazvo mapepa emashandisirwo akashandiswa mune zvisiri NCCI anotaura angave akasiyana pane aNCCI, anowanzo ane mhando dzakasiyana dzemashoko.
Chidimbu Chikamu
Chikamu chepamusoro chebasa racho chinosanganisira sarudzo yenyaya. Ichi chikamu chinosanganisira mashoko anotevera:
- Zita rine njodzi Zita rako rekambani
- Njodzi Inowanikwa Nhamba R r Nhamba ye nhamba gumi nemana yakagoverwa nekambani yako neCNCI
- Kutarisa Kubudirira Gwaro Zuva raunoshandura rinoshanda. Izvi zvinowanzofanana zvakafanana neyekuyeuchidza zuva rako zuva.
- Zuva Rokugadzira Zuva raunoshandura rakarongwa
- State Hurumende iyo yaunoshanda nayo kana ukaita bhizimisi mune imwe nyika chete. Icharatidza "interstate" kana iwe uchishanda mune dzimwe nyika.
Chiitiko Chenguva
Nheyo yepamusoro yepaji inoparadzaniswa zvakananga kuzvikamu zvitatu, imwe yegore negore inosanganiswa munguva yekuziva. Chikamu chimwe nechimwe chinopfupikisa kutanga uye kurasikirwa kwemashoko egore rinoratidzwa. Iyo data yakarongeka kuitira kuti ruzivo rwekare kudarika. Semuenzaniso, funga kuti yako 2015 shanduko yaive yakatarwa zvichienderana nemashoko kubva musi waJanuary 1, 2011 kusvika musi waJanuary 1, 2014. Nyaya yemusi weJanuary 1, 2011 kusvika January 1, 2012 ichaonekwa kumusoro. Ichatevedzwa nedhenda yegore rinotevera (2012 kusvika muna 2013). Dhiyabhorosi yegore rapfuura (2013 kusvika 2014) inowanikwa pasi.
Kwemumwe wemakore matatu pepa rebasa rinonyora nhamba yepurogiramu uye mapurogiramu anobata mazuva. Uyewo inosanganisira chidimbu chinotakura mairi 5. Iyi code inopiwa neCCCI. Inoratidza iyo inshuwarisi yakabudisa mutemo .
Makirasi Codes, Makomhadhi uye Kurasikirwa Kunotarisirwa
Pepa rekushongedzerwa rakarongeka kuitira kuti zvikamu zvako zvekutsvaga , mapepa nemari yakatarwa yekurasikirwa ibone kuruboshwe rwepeji. Tsanangudzo yekutsvaga (inotaurwa muChikamu Chechipiri chenyaya ino) inowanikwa kurudyi.
Tafura iri pasi apa inoratidza rudzi rwehuwandu hunoonekwa mumakamuri matanhatu ekutanga ebasa. Ikosi yekutanga (Code) inoratidza mazita ezvinyorwa zvinopiwa mubhizinesi rako.
Mumuenzaniso uyu kune maira maviri emakirasi, 8810 (Clerical Office Workers) uye 8742 (kunze kweVatengi vepatori).
Nyora yechipiri inotaura nezveAnticipated Loss Rate (ELR). IER idhora rinodhindwa nevanotarisirwa. Iyo yakabva pahuwandu hwekutanga uye kurasikirwa kwevashandirwi vose muboka rako rezvemabhizimusi. IER ndiyo dhora rakawanda iyo iyo inshuwarisi yako inotarisira kushandisa mari parasikirwa ne $ 100 yebhadharo. Semuenzaniso, kana ELR iri .10, ipapo inshuwarisi yako inotarisira kupedza masendi gumi pakurasikirwa kwemari ye $ 100 yemari yako.
| Code | ELR | D-Ratio | Payroll | Anotarisira kurasikirwa | Inotarisirwa Kurasikirwa Kwekutanga |
|---|---|---|---|---|---|
| 8810 | .10 | .38 | 3 500 000 | 3500 | 1330 |
| 8742 | .25 | .32 | 1,800,000 | 4500 | 1440 |
Chinotarisirwa kurasikirwa chinowanikwa nekuwedzera maEL times nguva yako yekubhadhara (yakakamurwa ne100). Muchirevo chiri pamusoro apa, Kutarisirwa Kurasikirwa kwekodhi 8810 kunoverengwa sezvinotevera:
.10 X 3,500,000 / 100 = 3500
Heinoi kuverenga kwekodhi 8742:
.25 X 1,800,000 / 100 = 4500
Kunyanya Kuenderana Nokurasikirwa Kwakawedzerwa
Chero chikamu chekurasikirwa kukuru iwe incur kunoshandiswa kuti uwane ruzivo. Izvi ndezvokudzivirira kurasikirwa kukuru chete kubva pakukanganisa zvakanyanya ruzivo rwako rwekuchinja. Zvizhinji zvehurumende zvakagadzirisa chikumbaridzo (zvakadai se $ 15,000) chinoparadzanisa kurasikirwa kwekutanga kubva pakurasika kwakanyanya. Nhamba ye kurasikirwa kusvika kumucheto wakatarwa ndiyo yekurasikirwa kukuru . Kurasikirwa kusara ndiko kurasikirwa kwakanyanya . Zvichienderana nerudzi rwekutsvaga, iyo yose yekurasikirwa kwekutanga asi chikamu chimwe chekurasikirwa kwakanyanya kunogona kushandiswa pakuwana ruzivo.
Kuti uone chikamu chikuru chekurasikirwa kwako kutarisirwa, vashandi vanogadzira chimwe chinhu chinonzi Discount Ratio (D-Ratio). Kurasikirwa kunotarisirwa kunotarisirwa kunoverengerwa nekuwedzera kuwandisa kwehuwandu pane nguva yekurasikirwa kwako kunotarisirwa. Apo kunyanya kutarisira kurasikirwa kunodzingwa kubva pakurasikirwa kwakatarwa kunotarisirwa, chigumisiro ndechekuwandisa kwekurasikirwa kutarisirwa.
Heino maverengi eAkatarisirwa Kurasikirwa Kwemitambo yeklasi mbiri dzakaratidzwa pamusoro apa:
Code 8842: .38 X 3500 = 1330
Mutemo 8742: .32 X 4500 = 1440
Zvaunoziva kuchinja zvinorongwa nekuenzanisira kurasika kwako chaiyo kune kurasikirwa kwako kunotarisirwa.
Mhosva uye Zvechokwadi Kurasikirwa Kwakawanikwa
Makore mashanu ekupedzisira ebasa racho rinowanikwa kurudyi rwepeji. Aya mahwendefa ane zvinyorwa zvine chokuita nezvirevo uye zvakakonzerwa nekurashikirwa (kureva kurasikirwa kwawakatsigira). Muenzaniso unowanikwa pasi apa.
| Claims Data | IJ | OF | Zvechokwadi Inowanikwa Mukurasikirwa | Actual Primary Losses |
| 123456 | 05 | F | 18,000 | 15,000 |
| 654321 | 05 | O | 12,000 | 5,000 |
| NO.6 | 06 | F | 12,000 | 12,000 |
Claim Data
Mitsva inorongedzwa nenhamba yekudaidza pasi peChitsvaga Data musoro. Muchirevo chiri pamusoro apa zvirevo zviviri zvakanyorwa nenhamba. Zvisinei, zviduku zviduku (izvo pasi pe $ 2 000) zvinogona kubatanidzwa pamwechete. Rimwe boka rezvitauriri rinozivikanwa nehutsamba "HERE." Tsamba dzinoteverwa nenhamba inoratidza kuti zvikwereti zvipi zvinowanikwa muboka. Muchirevo chiri pamusoro apa, "NO6" zvinoreva kuti zvitanhatu zvinotaurirana zvakabatanidzwa pamwechete. Zvinyorwa zviduku zvakabatanidzwa chete kana zvichisanganisira rudzi rumwe rwekukuvara, sekurapa-chete.
Injury Code uye Mamiriro
Kune kurudyi kweZvitsvaga Dhawendo ishongwe ine musoro weIJ. "IJ" zvinoreva kambani yekukuvara. Iyi iyi nhamba yenhamba inoratidza rudzi rwekutsvaga. Somuenzaniso, "5" inoratidza chiremba-kudai bedzi apo "6" zvinoreva chikonzero chekuremara kwenguva pfupi (chikamu kana chizere).
Zvichienderana nekombiji yekukuvadza ndeyendori ine musoro weO. Tsamba idzi dzinoratidza chirevo chekutsvaga se "O" kana "F." Tsamba "O" inoreva kuti kudai kuchiri kuvhurwa apo "F" zvinoreva kuti ndeyekupedzisira (yakavharwa).
Tafura iri pamusoro iri ine dhiyabhorosi. Zviratidzo zvitanhatu-kurapa chete zvakakonzerwa pamwe chete apo zvirevo zviviri zvekuremara kwenguva pfupi zvakanyorwa zvakasiyana. Nechinangwa chemuenzaniso uyu, chikumbaridzo chekutanga kurasikirwa ndeche $ 15,000.
Zvechokwadi Inowanikwa Mukurasikirwa
Mamwe mapuranga maviri ekupedzisira ari kuruboshwe rworudyi rwebasa riri nemashoko maererano nezvakaitwa kurasikirwa kwako. Idzi ndeyevashandi mari yekubhadhara (mari yekurapa uye kubhadhara kwekuremara) wako inshuwarheni akabhadhara vakukuvadzwa vashandi panzvimbo yako. Kurasikirwa kunosanganisira mabhadharo kune zvirevo zvinoramba zvakasununguka. Nzvimbo yakachengetwa ndiyo iyo mubhadhadzi wako akaisa pachinzvimbo chekubhadharwa kweramangwana.
Zvechokwadi Kurasikirwa Kwakawanikwa kunoreva kurasikirwa kwawakatsigira maererano nekutaura (kana boka rezvakataurwa) rinoratidzwa. Zvechokwadi Kurasikirwa Kwepamba kunomiririra chikamu chekurasikirwa kwako kwese kunoonekwa sekurasikirwa kwekutanga. Apo Chaicho Chaicho Chekurashikirwa chinodzingwa kubva kune Chaizvo Chakawanikwa Kurasikirwa, chigumisiro chaicho Chiri Kuwedzera Kurasikirwa. Chero chikamu chekurasikirwa kwakanyanya kunoshandiswa pakuwana maitiro.
Chiitiko Chikamu Kuchinja
Mune zvakawanda zvinotaura nezvekurapa-chete zvinodaro zvinowanikwa kune Chiitiko Chokuratidza Adjustment (ERA). Apo ERA inoshandisa, 30% chete yemutengo wemari inoshandiswa pakuwana ruzivo. Zvasara 70% hazvina kufanirwa. ERA inoshanda kune izvo zviti zvinoumba mari yekurapa chete. Izvo hazvirevi kune zvitsva zvinokonzera kubhadhara kwekuremara.
Rating Factors
Chiitiko chechiitiko chezviitiko chinosanganisira zvinhu zviviri zvakasikwa nema-actuaries. Yokutanga inonzi inorema chikonzero. Ichi chinokonzera kuti mari yako yakawanda yekurasikirwa inoshandiswa sei kuverenga your modifier. Iko kurema chinhu chiduku kune makambani maduku uye inowedzera sezvo kambani yako ichikura. Kana kambani yako iri duku uye iwe ukakonzera kurasikirwa kukuru, chiremera chinokonzera chigadzirisa kukanganisa kwe kurasikirwa pane zvaunoziva kuchinja. Kurasikirwa kwaizove kwakakonzera kuchinja kwako kana yako yakasimba yakakura.
Chinhu chechipiri chinonzi ballast . Sezvo zita rayo rinoratidzira, iyo ballast inogadzikana. Chinangwa chayo ndechekuchengetedza shanduko yako kubva pakudarika kure (kumusoro kana pasi) kubva kubatana (1.0).
Kuverenga
Chiitiko chechiitiko chechiitiko chinogadzirisa zvose zviri zviviri Zvauri Kurasikirwa uye Zvaunotarisira Kurasikirwa. Pane imwe nguva nhamba dzese dzakagadziriswa, Kurasikirwa Kwako kwakaparadzaniswa neAkatarisirwa Kurasikirwa. Chigumisiro chako chiitiko chinogadzirisa.
Kutanga, Zvawakarasikirwa Zvechokwadi zvakatarwa nekuverenga nhamba yezvinhu zvitatu zvinotevera:
- Yako Chaicho Chekutanga Kurasikirwa Kana ERA inoshanda munharaunda yako, ipapo 30% chete yezvokurapa-izvo chete zvichange zvichisanganiswa mumutemo.
- Kusimudzira Kukosha Kukosha uku kunotsanangurwa nekuwedzera Kudiwa Kwako Kurasikirwa Kwakawandisa ((1 kunze kwechiremera chinokonzera) uye kuwedzera kuwedzera.
- Rudo Rwenyu Rwokurasikirwa Kwakawanda Ichi ndicho chiyero cheChinhu Chaicho Chekudarika chinoshandiswa pakuziva . Inotaridzirwa nokuwedzera chiremera chinokonzerwa neAicho chaiyo Kuwedzera Kurasikirwa.
Zvadaro, Zvaunotarisira Kurasikirwa zvinotsanangurwa nekuverenga chiyero cheizvi:
- Zvaunotarisira Kurasikirwa Zvikuru Iyi nhamba inopiwa nehurongwa hwekuenzanisa.
- Kuchengetedza kukosha Kukosha uku kunoratidzwa nenzira imwecheteyo inoratidzwa pamusoro apa
- Nhengo Yenyu Yakawanda Kurasikirwa Kwakawanda Ichi ndicho chiyero cheAkatarisirwa Kurasikirwa Kwakawanda kunoshandiswa kuti uwedzere ruzivo. Inotaridzirwa nokuwedzera chiremera chinokonzerwa neAkatarisirwa Kuwedzerwa Kurasikirwa.
Pakupedzisira, Kurasikirwa Kwako kwakaparadzaniswa neAkatarisirwa Kurasikirwa. Somuenzaniso, fungidzira kuti kurasikirwa kwako chaiye (kwakavakirwa pamutemo) kwaiva $ 45,000 uye kurasikirwa kwakatarirwa kwaiva $ 50,000. Zvaunoziva zvekuchinja zvaizova $ 45,000 / $ 50,000 kana .90.