Department overview |
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A through F | G through L | M through R | S through Z
Market shares of different insurance
arrangements
Employers cover themselves for workers' compensation in one of three ways. The
most common is to purchase insurance in the "voluntary market," so named because
an insurer may choose whether to insure any particular employer. Employers
unable to insure in the voluntary market may do so through the Assigned Risk
Plan (ARP), the insurance program of last resort administered by the Department
of Commerce. Employers meeting certain financial requirements may self-insure.
This figure shows the market shares of the three insurance arrangements, as measured by paid indemnity claims. Pure premium is a measure of risk or expected losses. It is equal to payroll multiplied by the applicable pure premium rate(s) (reflecting expected losses per unit of payroll), adjusted for individual employers' prior loss experience. It is different from (and somewhat lower than) the actual premium charged to employers, because actual premium includes other insurance company costs. "Year earned" refers to the year paid for the payroll on which the pure premium is based.
Minnesota case-counts from BLS survey
This table, published by the U.S. Bureau of Labor Statistics (BLS), shows the
case counts for industries in Minnesota. The figures should be viewed with
caution, because some of the differences, especially in the smaller sectors, may
represent sampling variation rather than actual differences in case incidence.
For more information about sampling error in the BLS survey, see "Reliability
of estimates" at the BLS Web site.
Minnesota incidence rates from BLS survey
This table, published by the U.S. Bureau of Labor Statistics (BLS), shows
incidence rates for industries in Minnesota. The figures should be viewed with
caution, because some of the differences, especially in the smaller sectors, may
represent sampling variation rather than actual differences in case incidence.
For more information about sampling error in the BLS survey, see "Reliability
of estimates" at the BLS Web site.
Number of workers'
compensation claims paid
Figure A shows the estimated total number of paid Minnesota workers'
compensation claims. Total claims are divided into indemnity and medical-only
claims (see Glossary for definitions). The
figures are by "injury year," meaning claims are counted in the year of injury
or onset of illness. Indemnity claims are rounded to the nearest hundred;
medical-only and total claims are rounded to the nearest thousand.
The indemnity claims numbers are from the Department of Labor and Industry (DLI) claims database. They are "developed," meaning they are projections of what the final numbers will be after all claims and payments are complete and reported to the department. Because medical-only claims are not reported to DLI, the numbers of medical-only and total claims are estimated using the ratio of medical-only to indemnity claims from insurance data. See Appendix for data sources and estimation procedures.
Figure B shows the numbers of paid indemnity claims with selected types of benefits by year of injury. Claims with temporary total disability (TTD) benefits and/or permanent total disability (PTD) benefits are counted together because the two benefit types are not distinguished in the department database.
Paid indemnity claims with vocational
rehabilitation plans filed
This figure shows the utilization of statutory vocational rehabilitation
services. Utilization of vocational rehabilitation services is measured as the
ratio of the number of claims with a vocational rehabilitation plan filed to the
number of paid indemnity claims. It does not include claims where injured
workers received assistance in returning to work from their employer or insurer
through a disability management program without filing a formal plan with the
department. Receipt by the Department of Labor and Industry of a
Rehabilitation Plan form is a reliable indicator of whether an injured
worker is receiving statutory vocational rehabilitation services. In a very few
instances, a plan is filed but the worker does not receive services. In other
instances, services are delivered without a form filed. The algorithm for
estimating the developed number of claims with plans filed includes an estimate
for those claims where a vocational rehabilitation plan is not received or is
received only at the conclusion of services.
Paid workers' compensation claims per 100 FTE
workers
Figure A shows the estimated total number of paid Minnesota workers'
compensation claims per 100 full-time-equivalent (FTE) covered workers. Total
claims are divided into indemnity and medical-only claims (see
Glossary for definitions). The figures are by
"injury year," meaning claims are counted in the year of injury or onset of
illness. Indemnity claims are rounded to the nearest hundred; medical-only and
total claims are rounded to the nearest thousand.
The indemnity claims numbers are from the Department of Labor and Industry (DLI) claims database. They are "developed," meaning they are projections of what the final numbers will be after all claims and payments are complete and reported to the department. Because medical-only claims are not reported to DLI, the numbers of medical-only and total claims are estimated using the ratio of medical-only to indemnity claims from insurance data. See Appendix for data sources and estimation procedures.
Figure B shows the numbers of paid indemnity claims with selected types of benefits by year of injury, expressed as rates per 100 FTE covered workers. Claims with temporary total disability (TTD) benefits and/or permanent total disability (PTD) benefits are counted together because the two benefit types are not distinguished in the department database.
Percentage of paid indemnity claims with
selected types of benefits
This figure shows the percentage of paid indemnity claims with selected types of
benefits by year of injury. Claims with temporary total disability (TTD)
benefits and/or permanent total disability (PTD) benefits are counted together
because the two benefit types are not distinguished in the department database.
Pre-injury gross weekly wage
These figures show the average pre-tax wages per week of indemnity claimants
prior to injury. Cases where wages are more than $4,000 a week or are less than
minimum wages are excluded.
Private-sector
incidence-rates for Minnesota and the United States
This figure shows the rates of total cases, lost-workday cases and
days-away-from-work cases in the private sector for Minnesota and the United
States. The data, from the Survey of
Occupational Injuries and Illnesses, is limited to the private sector,
because the U.S. data is only available for the private sector. In the Bureau of
Labor Statistics survey, participating states have the option to include their
public sectors. Because not all states choose this option, public-sector data is
not available at the national level.
Pure premium rates
Pure premium rates are projected cash and medical benefits per $100 of payroll.
The Minnesota Workers' Compensation Insurers Association computes Minnesota's
pure premium rate for each payroll class. The pure premium rates are advisory
rates used by insurance companies to help set rates for workers' compensation
insurance and are the basis for the rates used in the Assigned Risk Plan. The
table shows the statewide average rate for each year as a percentage of the rate
for 1984, the first year of Minnesota's competitive insurance pricing system.
The rates are published in the fall of the year before they become effective and
are to be used for insurance company rates during the indicated year.
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