Experience Rating

Carrier of record modifications

  • A charge of $20.00 per modification is assessed to any carrier for receiving a paper modifications. Refer to CAOM Circular letter # 272, dated 06/03/14.
  • A charge of $5.00 per modification is assessed to any carrier that chooses the paperless option and obtains their modifications from the Experience Rating Worksheet Lookup (EXR) product on the ACCCT web site www.accct.org
  • Carriers also have the option of receiving WCRATING files. WCRATING files are available to carriers that have filed rating factors with CAOM. WCRATING files are transmitted to the carrier via the ACCCT Compensation Data Exchange (CDX). There is no charge for the WCRATING file. 

Special Request Modifications

  • A carrier may be setup to request quote modifications for perspective insured’s. A $5.00 charge is assessed to the carrier for each mod produced. Refer to CAOM circular letter # 268, dated 11/06/13. 

Online Experience Modification System (OEMS)

The Online Experience Mod System (hereby referred to as OEMS) is a web based service that gives member carriers the ability to access an insured's most recent modication.

  • The cost for this service is $1,000 per quarter per carrier group.
  • All current experience and merit modifications display on the OEMS.
  • The experience modifications were calculated using the current DCA ELRs and D Ratios.
  • The OEMS is updated every Sunday.

Merit file

  • There is no charge for the merit file.
  • The merit file contains modifications for risks with premiums between $1,000 and $5,000.
  • Files contain two months of merit modifications. Ex: Jan file contains March and April merit modifications
  • The files are available on our FTP server

Online Experience Modifications System data file

  • If a carrier wants to receive the OEMS data file, they must subscribe to the Online Experience Modification System.   The data is $1,000 per quarter per carrier group.
  • The file contains modifications for risks with premiums greater than or equal to $1,000.
  • The file contains all experience rated and merit rated modifications generated for the year.
  • The experience rated modifications in the file are calculated using the current DCA ELRs and D Ratios.
  • The files are created every month. 
  • The files are available on our FTP server. 

The OEMS data file and Online Experience Mod System charge is $8,000 per year. The member's  quarterly assessment will show a $1,000 charge for the OEMS data file and $1,000 charge for access to the Online Experience Modification System.

If a carrier writes low premium policies or a low number of policies  they should consider the merit file and not the OEMS data file. The cost of $8,000 per year to get the Online Experience Mod System data file may not be justified.