Massachusetts Workers’ Compensation Rate Change
Effective July 1, 2022
The Commissioner of Insurance has approved a revision of workers’ compensation rates, effective July 1, 2022, applicable to policies that are new or renew on or after that date. The most important items include:
- RATE LEVEL DECREASE OF 3.46% The overall average decrease of 3.46% is for the average of all existing workers’ compensation rates. This average varies by industry. The Construction Class average rate will decrease by 2.8%. A listing of the revised Massachusetts manual rates for the most common construction classifications is included with this letter.
- EXPERIENCE RATING PLAN CHANGES The Experience Rating Plan Expected Loss Rates, D-Ratios, Weight and Ballast Tables, Split Point, State Per Claim Accident Limitation (SPCAL) and the State Multiple Claim Accident Limitation (SMCAL) will be revised. The SPCAL will be increased to $350,000 from $300,000 and SMCAL will be $700,000 up from $600,000. The Primary/Excess Split Point will increase to $7,500.
- F – CLASSES – OVERALL RATE LEVEL DECREASE OF 9.1% The overall average decrease of 9.1% in the existing workers’ compensation F-Class average rates will vary by class.
- USL&HW ACT COVERAGE PERCENTAGE APPLICABLE TO NON-F CLASSIFICATIONS The loading percentage applicable to USL&HW will be reduced from 21.0% to 19.6%. (Multiply a Non-F classification rate by a factor of 1.196 to determine the total rate). Note, you must have USL&HW coverage added to your Workers Compensation policy by separate endorsement for coverage to apply.
- SMALL DEDUCTIBLE CREDITS The premium credits applicable to the election of small deductibles under either the Massachusetts Benefits Deductible Program or the Massachusetts Benefits Claim and Aggregate Deductible Program will be revised.
- NO CHANGES IN THE FOLLOWING:
- Expense Constants
- Loss Constants
- Admiralty Law and Federal Employers’ Liability Act classifications
- Merit Rating Program
- Massachusetts Construction Classification Premium Adjustment Program (“MCCPAP”)
- Premium Discount Tables A and B
Experience ratings and ARAP factors (including replacement of preliminary experience ratings and ARAP factors) effective July 1, 2022, and subsequent will be issued in due course using the new rating values.
MCCPAP Factors effective July 1, 2022, and subsequent will be revised in due course using the revised experience rating offset.
Please let us know if you have any questions.
Very truly yours,
DeSanctis Insurance Agency, Inc.
| WORK CLASSIFICATIONS | CODE | 7/1/20 Rates | 7/1/22 Rates | % CHG. '20 to '22 |
|---|---|---|---|---|
| LANDSCAPE GARDENING & DRIVERS | 0042 | 3.14 | 2.88 | -8.3% |
| WELDING OR CUTTING - NOC & DRIVERS | 3365 | 4.43 | 4.19 | -5.4% |
| MILLWRIGHT, MACHINERY OR EQUIPMENT ERECTION OR REPAIR NOC & DR | 3724 | 4.60 | 4.05 | -12.0% |
| BOILER INSTALLATION & REPAIR-STEAM | 3726 | 6.22 | 5.47 | -12.1% |
| CEILING INSTALLATION-SUSPENDED GRID TYPE | 5020 | 4.06 | 3.85 | -5.2% |
| MASONRY - NOC | 5022 | 8.93 | 9.14 | 2.4% |
| PAINTING METAL BRIDGES, AND METAL STRUCTURES >2 STORIES, SHOP OPS & DR | 5037 | 15.33 | 14.14 | -7.8% |
| IRON OR STEEL ERECTION-FRAME STRUCTURES, BALCONIES, FIRE ESCAPES | 5040 | 19.85 | 18.99 | -4.3% |
| IRON OR STEEL METAL BRIDGES | 5040 | 19.85 | 18.99 | -4.3% |
| IRON ORSTEEL ERECTION - NOC | 5057 | 20.97 | 18.45 | -12.0% |
| IRON/STEEL ERECTION-FRAME STRUCTURES | 5059 | 18.13 | 19.81 | 9.3% |
| DOOR -DOOR FRAME OR SASH ERECTION-METAL OR METAL COVERED | 5102 | 6.12 | 5.72 | -6.5% |
| IRON OR STEEL ERECTION - ORNAMENTAL, NON-STRUCTURAL & SASH | 5102 | 6.12 | 5.72 | -6.5% |
| ELEVATOR ERECTION OR REPAIR | 5160 | 2.27 | 2.48 | 9.3% |
| PLUMBING - NOC & DRIVERS | 5183 | 2.82 | 2.84 | 0.7% |
| AUTOMATIC SPRINKLER INSTALLATION & DR | 5188 | 3.65 | 3.53 | -3.3% |
| ELECTRICAL WIRING - WITHIN BUILDINGS & DRIVERS | 5190 | 2.05 | 2.17 | 5.9% |
| CONCRETE CONSTRUCTION-NOC | 5213 | 10.42 | 10.30 | -1.2% |
| CONCRETE -PRIVATE RESIDENCES -NO MONOLITHIC CONCRETE BLDG | 5215 | 3.76 | 3.83 | 1.9% |
| CONCRETE WORK, FLOORS, DRIVES, YDS, WALKS & DR | 5221 | 6.12 | 5.99 | -2.1% |
| CONCRETE CONST.-BRIDGES AND CULVERTS | 5222 | 9.21 | 8.31 | -9.8% |
| TILE - CERAMIC, STONE, MOSAIC OR TERRAZZO WORK - INSIDE | 5348 | 3.85 | 4.21 | 9.4% |
| CARPENTRY - NOC | 5403 | 7.77 | 8.17 | 5.1% |
| CARPENTRY -CABINET WORK, INTERIOR TRIM, FINISHED WOOD FLOORS | 5437 | 3.84 | 3.38 | -12.0% |
| LATHING & DRIVERS | 5443 | 3.29 | 3.24 | -1.5% |
| WALLBOARD INSTALLATION WITHIN BUILDINGS & DRIVERS | 5445 | 5.60 | 5.80 | 3.6% |
| GLAZIER-AWAY FROM SHOP & DRIVERS | 5462 | 5.19 | 5.04 | -2.9% |
| ASBESTOS REMOVAL OPS: PIPE AND BOILER EXCLUSIVELY & DR | 5472 | 7.50 | 7.02 | -6.4% |
| ASBESTOS REMOVAL OP: ASBESTOS CONTRCTR-NOC & DR | 5473 | 9.31 | 8.19 | -12.0% |
| PAINTING OR PAPERHANGING NOC & SHOP OPERATIONS & DRIVERS | 5474 | 3.71 | 3.69 | -0.5% |
| INSULATION WORK - NOC & DRIVERS | 5479 | 5.12 | 4.98 | -2.7% |
| PLASTERING NOC & DRIVERS | 5480 | 4.38 | 4.21 | -3.9% |
| STREET OR ROAD CONSTRUCTION - PAVING OR REPAVING & DRIVERS | 5506 | 4.33 | 4.73 | 9.2% |
| STREET OR ROAD CONSTRUCTION - SUB SURFACE WORK & DRIVERS | 5507 | 5.20 | 4.99 | -4.0% |
| ST. OR RD. CONSTRUCTION: ROCK EXCAVATION & DRIVERS | 5508 | 3.75 | 3.84 | 2.4% |
| SHEETMETAL WORK - SHOP & OUTSIDE -NOC & DRIVERS | 5538 | 3.89 | 3.77 | -3.1% |
| ROOFING - NOC & YARD EMP, DRIVERS | 5545 | 37.71 | 41.21 | 9.3% |
| ROOFING - BUILT UP INCLUDING YARD EMP & DRIVERS | 5547 | 10.00 | 10.07 | 0.7% |
| CONTRACTOR EXECUTIVE SUPERVISOR | 5606 | 1.22 | 1.16 | -4.9% |
| CARPENTRY/DWLGS. 3 STORIES OR LESS | 5645 | 6.35 | 6.09 | -4.1% |
| WRECKING: BUILDINGS OR STRUCTURES -NOT MARINE ALL OPERATIONS | 5701 | 18.63 | 18.51 | -0.6% |
| PILE DRIVING & DRIVERS | 6003 | 7.82 | 6.94 | -11.3% |
| DRILLING-NOC & DRIVERS | 6204 | 4.79 | 4.80 | 0.2% |
| EXCAVATION, GRADING, OR ROCK BLASTING SPECIALIST & DRIVERS | 6217 | 3.96 | 3.98 | 0.5% |
| IRRIGATION OR DRAINAGE SYSTEM CONSTRUCTION & DRIVERA | 6229 | 3.56 | 3.52 | -1.1% |
| SEWER CONSTRUCTION - ALL OPERATIONS & DRIVERS | 6306 | 6.71 | 7.34 | 9.4% |
| GAS MAIN OR CONNECTION CONSTRUCTION & DRIVERS | 6319 | 2.81 | 2.51 | -10.7% |
| WATER OR GAS MAIN OR CONNECTION CONSTRUCTION & DRIVERS | 6319 | 2.81 | 2.51 | -10.7% |
| CONDUIT CONSTRUCTION FOR CABLES OR WIRES & DRIVERS | 6325 | 2.56 | 2.35 | -8.2% |
| FENCE ERECTION - ALL TYPES | 6400 | 4.42 | 4.37 | -1.1% |
| TRUCKING: NOC - ALL EMP & DRIVERS | 7219 | 7.58 | 6.66 | -12.1% |
| ELECTRIC LIGHT OR POWER LINE CONSTRUCTION & DR | 7538 | 5.83 | 5.13 | -12.0% |
| CONTRACTORS PERMANENT YARD | 8227 | 4.26 | 4.66 | 9.4% |
| BUILDING MATERIALS DEALER - NEW A/O EES, YARD, WHRSE & DR | 8232 | 5.10 | 4.77 | -6.5% |
| DOOR -SASH OR ASSEMBLED MILLWORK DEALER& DR | 8235 | 3.56 | 3.52 | -1.1% |
| SALESPERSONS, COLLECTORS OR MESSENGERS -OUTSIDE | 8742 | 0.10 | 0.09 | -10.0% |
| CLERICAL OFFICE EMPLOYEEES NOC | 8810 | 0.06 | 0.06 | 0.0% |
| BUILDING - OPERATIONS BY CONTRACTOR | 9014 | 2.01 | 1.85 | -8.0% |
| BUILDING - OPERATIONS BY OWNER OR LESSEE | 9015 | 2.70 | 2.59 | -4.1% |
| STREET CLEANING AND DRIVERS | 9402 | 3.61 | 3.43 | -5.0% |
