Type in your search keywords and hit enter to submit or escape to close. $1000 multiplied by 2. In approved states, when a claim is medical only (no lost time) the mod reduces the value of the claim by 70%. Form 300-A. 0, and good. Since experience rating offers the prospect of either of these types of premium adjustments, it provides an economic incentive for employers to develop safety programs and claims management initiatives. State Mine Inspector’s Office. 0, and the scale typically ranges from 0. It’s determined by how many workplace injuries and illnesses resulted in employees missing work, required restricted work activities or resulted in them being transferred. The Establishment Search page enables searching the OSHA Integrated Management Information System (IMIS) enforcement database by establishment name. For Consumers. 8 would reduce your premiums by 20 percent, so a lower EMR can save you money on. Weekly safety meetings are held with every Superintendent, Project Manager, and Craft employee. Contractors looking for their experience modification rating for the Mattock-Higgins Affidavit of Workplace Safety form:. 1. 50 per every hundred dollars of payroll in that class code. 85. 75 to 1. Signed under penalties of perjury:A work comp rate of 2. Voice: (573) 489-8323 Click to Email. That means that – by implementing the correct safety management and education systems – you can potentially save $25,000 by having 0 claims within the next 3 years. e. An EMR which is greater than 1 typically results in. In this guide, we break down the formula and cover everything employers need to know. EMR & lt; 1. Virginia workers' compensation rates may see small decrease in 2023. By using the many tools available to you, our hope is for your employees to return home from work in the same healthy condition that they arrived to work. The experience factor is a prediction of how a business's future claim costs will. A clinician’s work process may make it hard or impossible to appropriately enter the desired EHR data. 1. 0 is considered to be the industry average. The experience modification rate (EMR) is one of the key factors that can help you reduce workers' compensation insurance costs. Use OSHA's Establishment search to search for OSHA enforcement inspections by the name of the Establishment, or by a specified inspection or inspections within a specific industry using NAICS or SIC. than manual rating, insurance providers could seek employers with lower-than-expected costs and possibly avoid employers with higher-than-expected costs. Conversely, a 0. The EMR is a metric that insurers use to calculate worker's compensation premiums; it takes into account the number of claims/injuries a company has had in the past and their corresponding costs. To find your EMR rate: EMR = 1,000,000 / 100 / 1. govContact Information. The Experience Modification Rating (EMR) is a metric used by insurance carriers to gauge both the past cost of workers’ compensation claims and the future probability of additional claim costs. Since 1996, IntelliComp is the industry leader for workers’ comp professionals. 7 (a) Basic requirement. 5, which signifies a stellar safety record with minimal workers’ compensation claims. 0), your worker's compensation. Experience Rating Mods and Worksheets provide information for evaluating risks. Occupational Safety and Health Administration 200 Constitution Ave NW Washington, DC 20210 1-800-321-OSHA 1-800-321-6742. Please contact us at 800-622-4123 or Customer Service. Introduction. Further, the EMR is based on your company’s loss history as compared to its industry average. 00, and any deviation from this benchmark reflects. Safety Specialists provide health and safety consultation, hazard identification, and hazard reduction plans for Wyoming’s employers. View the Employer/MCO look-up link to begin your search. 0, and the scale typically ranges from 0. That’s the base rate of 80 cents. 0. As required by safety and health programs and committees, your workplace must establish a written safety and health program, and if you have 11 or more. An EMR is a unique calculation used to adjust an employer’s workers’ compensation insurance rates based on their claims cost history compared to the expected costs for a similarly sized organization in the same industry. For more in-depth information. Okay, so we have gone over what a safety KPI dashboard is and listed all of the most important safety metrics that you should include. If you have been in business for less than 3 years or if you are a smaller company, you will not have an EMR. In Washington state, the 2020 base rate for workers’ comp for furniture store employees is about 80 cents per hour, per employee. The base experience modification rate is 1. Put simply, your e-mod represents the workplace safety record, but there is a lot that goes into calculating it. While the rate classification system provides for the distribution of premium to various industries and exposures, WSI's experience rating program focuses on. An Experience Mod of 1. 0, and the scale typically ranges from 0. The experience modifier is the percentage applied to the base rate to determine your premium. Occupational Safety and Health Administration 200 Constitution Ave NW Washington, DC 20210 1-800-321-OSHA 1-800-321-6742. A lower EMR is better, and results in lower insurance costs. The platform’s scoring mechanism is based on a 100-point scale that takes into account safety management systems, working conditions (Occupational Safety and Health Administration citations),. DrChrono: Best for medical billing. ” Safety plan includes requirements for “designation of employees responsible for safety ” and for regular safety meetings. Welcome to the Employee Misconduct Registry Search System Employability Status Check Search EMR Public Information Search Database Updated: Wed Nov 22 05:22:56 AM CST 2023 Page Updated: Tue Mar 01 08:15:00 PM CST 2022Contact Us Address: 733 Third Avenue, 5 th Floor New York, NY 10017 Phone: 212-697-3535 E-mail: info@nycirb. It may also be called an E-Mod or experience modification rate (EMR). In 2023, the average employer will pay $0. Toolbox talks, awareness, and a culture built around safety are key to reducing an EMR and preventing losses before they occur. Employability Status Check Search. EMR, or experience modification rating is a calculation used by insurance firms to price the cost of workers’ compensation premiums. You can enter the credential number, name, or business name to find the status, expiration date, and contact information of the license holder. The NCCI then compares your actual losses to your expected losses. I have provided them with a copy of the OSHA 300a and our EMR rating. It is time to stop shopping and start proactively working to lowering your EMR because eventually, it will catch up to you. An EMR of 1. INSURANCE CARRIER. Rate Bureau identified your company as having an ERM of 1. Their unmodified premium is $100,000. An EMR of . To reduce future risk, the insurance company raised the business’ premiums. 0 will result in lower insurance. Experience Modification Rating/Rate (EMR):A lot of business leaders would consider an Experience Modification Rate below a 1. 0 it is a debit factor. Approval of New Experience Rating Plan Filing – Effective April 1, 2024. Ohio is one of a handful of states that has a state administered workers’ compensation system. Arizona workers' compensation rates remain stable in 2023. OSHA. If your EMR goes below 1. Total number of injuries and illnesses (annually) x 200,000 /. An EMR, experience modification rating, of 1. Ensures that all of Wyoming’s businesses are safe places to work. Access Additional COVID-19 Information. Occupational Safety and Health Administration 200 Constitution Ave NW Washington, DC 20210 1-800-321-OSHA 1-800-321-6742. Workers' comp payroll is calculated by dividing the gross payroll by 100 and then multiplying by the rate. When you access mods and worksheets through Riskworkstation™ at ncci. The average EMR score is 1. EMR is an example of a lagging indicator. Company History; Safety EMR; Our Clients; Our Affiliates; Employment Opportunities;. If there’s one thing about workers' compensation insurance that confuses business owners, it’s the experience modifier (X-Mod). Now, they’re publishing the safety & health incident rate of many individual companies. 75 to 1. EMRs can house valuable information about a patient, including: Demographic information. If your company maintained an EMR of 1. An X-Mod is a numeric factor that’s used to calculate your workers' compensation premium. Best practices when entering your OSHA stats, OSHA. The Best EMR Software of 2023. 93 per $100 in employee wages for workers’ comp insurance. Mathematically, it’s a modifier to the base insurance rate. That’s right, only 30% of medical claims dollars go into the respective primary and excess loss totals. You’ll find out how it can increase or decrease your costs, how to lower your EMR, and more. If you have any questions, contact our Sedgwick program manager, Cordell Walton, at 614. OSHA Back. Region VI: Prince George’s, Calvert, Charles and St. The experience modification rate is a number or 'metric' which measures the number of claims against an organisation. A lower EMR is better, and results in lower insurance costs. It is an accurate measure of the tangible costs of past injuries and the cost of future risk. The final workers compensation premium on each policy is determined by multiplying your manual premium by your experience mod. How to Use this Verify Tool to Check Out a Contractor. Upon notification from the OWNE R, the three (3) apparent low bidders are required to provide the following information: WORKERS’ COMPENSATION EXPERIENCE MODIFICATION RATE DATA Provide bidder’s Workers’ Compensation Experience Modification Rate (EMR) Data. © Copyright 2005 - NCCI Holdings, Inc. When you start a new business, you may see your experience modification rate on your workers compensation insurance policy. An incidence rate of injuries and illnesses may be computed from the following formula: (Number of injuries and illnesses X 200,000) / Employee hours worked = Incidence rate. com, you’ll save money and have the flexibility of ordering both current and historical rating. An experience modifier of 1 would be applied for an employer that had. The base experience modification rate (EMR) for all companies is 1. An EMR which is greater than 1 typically results in. Track a contractor search. X-Mods and More is a web service that provides WCIRB member insurers, including their authorized third-party administrators and managing general agents, and licensed agents and brokers with 24/7, real-time access to key risk-level data, including: Experience modifications (X-Mods) Webinar: X-Mods and More for Agents and. Their unmodified premium is $100,000. 1. , which L&I calculates annually for each business. U. 0 EMR. The Occupational Safety and Health Administration’s (OSHA) Recording and Reporting Occupational Injuries and Illnesses Standard outlines the requirements, including what injuries or illnesses. An EMR —also known as an experience modification rating or MOD rating — was designed as a guideline for the insurance industry to help price workers’ compensation insurance premiums. The required program is called Industrial Code Rule 59, Workplace Safety and Loss Prevention. Creates an economic incentive for employers and workers to prevent accidents. EMRs have the knowledge and skills necessary to provide immediate lifesaving interventions while awaiting additional EMS resources to arrive. This valuable resource offers a detailed explanation of experience rating and how it affects your workers compensation costs. Access DTVI Mailbox Access Policy Data Collection Access Unit Data Collection Access Data Manager Dashboard Access DCI Data Collection Access Data Manuals. The Consultative Services Bureau, within the North Carolina Department of Labor, will send you a letter if the N. We have also covered how to calculate the EMR safety rating for your business. 0 indicates a higher risk (i. Workers' compensation assessments. A higher EMR means a higher insurance premium as well. An EMR of 1. State Mine Inspector’s Office. See Code Rule 59. 0 is considered industry standard. The EMR is a good, long-term overview of safety performance. The merit. 0 is neutral. 25 would add an additional $25,000, resulting in a premium of $125,000. Essentially, carriers compare the. If your mod is . If you have been in business for less than 3 years or if you are a smaller company, you will not have an EMR. range from 75 cents (in Texas) to $2. You can verify that the EMR, EMOD or XMOD used on your policy is accurate through a Experience Modification Rate Review. EXPECTED RATE (M) = G + H x H. 0 like 0. 25 or higher. Incidence Rate BLS Average/STEP Gold Maximum Incidence Rate STEP Platinum Maximum Incidence Rate STEP Diamond Maximum Incidence Rate 236110 1521, 1522 Residential Building Construction 4. OSHA uses the DART rate to monitor high-risk industries, and they also allow EHS managers to. Low scores often mean lower premiums, making attention to your EMR score significant. An experience mod of 1. 0, you are considered riskier, which can cause your business to be incapable of bidding on specific projects. The experience rated modifications in the file are calculated using the current DCA ELRs and D Ratios. Here is the. A lower EMR is better, and results in lower insurance costs. If yours exceeds that, your business is safer than most. House; Surf Topics. An EMR of 0. The user then selects the desired Combo ID associated with the insured. Because of this infl uence over fi nal premium, it provides employers with an incentive to provide safety and loss pre- California's Experience Rating System. If your EMR goes above 1. The MSQ is one of the most critical components in contractor. Bureau of Workers' Compensation {} Web Content Viewer. If you don't find the information you want, try the search again by clicking on the radio button next to Complete search, and then the search button. The average EMR score is 1. 5 3. than manual rating, insurance providers could seek employers with lower-than-expected costs and possibly avoid employers with higher-than-expected costs. " Call it Rate of Injury and Death and I bet people will know exactly where it stands. 800-472-8484. com, you’ll save money and have the flexibility of ordering both current and historical rating. 80 means a company has a good safety record that merits a 20 percent discount. This will allow authorised clinicians to access a patient’s. 0 2. OSHA. The National Council on Compensation Insurance is the nation's most experienced provider of workers compensation information, tools, and services. org . Out-of-State employers doing work in Massachusetts. Your premium will be (500,000/100) X 1. When you access mods and worksheets through Riskworkstation™ at ncci. If a company has lower claims cost than the average for their industry, the rate will be below 100 and translate into lower premiums, and conversely, if a company. Each employer shall, upon request, and without derogation of any rights under the Constitution or the Occupational Safety and Health Act of 1970, 29 U. I have a potential client requesting my OSHA 300 log. It does this by comparing the experience of individual employers with the average employer in the same classification. 0, with the average TRIR in construction being. The EMR compares the frequency and severity of workers' compensation claims between companies of similar size operating in the same type of business and reflects the degree to which a particular company's experience is better. The baseline rating is 1. Experience Rating Plan Manual for Workers Compensation and Employers Liability Insurance. The New York State Department of Financial Services approved a new edition of the NY Compensation Insurance Rating Board’s (NYCIRB) Experience Rating Plan Manual effective for experience modification factors (ex mods) with a rating date on or after October 1, 2022. Rental value of an apartment, house, or other lodging received as part of pay; Value of meals received as part of pay. Join us to learn more, and why your status may be non-compliant. Year over year, you’ve spent time shopping for your insurance due to your high EMR. It is a number used by insurance companies to gauge both past cost of injuries and future chances of risk. insurance industry to adjust an employer’s workers’ compensation insurance premium based on the employer’s pre-existing claims history. At its core, the math used in determining this is actually quite simple; “ Actual losses ” divided by “ Expected losses ” equals “ Experience Modification Factor . eSCAD is an online tool for WCIRB member insurers and other authorized users to submit California aggregate financial data, such as the Quarterly Call for Direct California Workers' Compensation Experience. 2, insurance agencies would raise your premiums by 20 percent, because your business is considered a higher risk. El puntaje EMR considera el historial de una empresa y el costo pasado de las lesiones para calcular los riesgos futuros. GAGNE, EET, CFE, NADEP. Then, your EMR is applied to the premium. Call 888-611-7467 for a Workers Compensation Specialist Workers' Comp Experience Modification Rate- "Emod" Workers compensation insurance experience rating is a. Actions. 3 Kovach Drive, Cincinnati, OH 45215. 100+ Short Workplace Safety Topics starting [A-Z] – Free Download. New York Mods is a fee-based subscription service which provides users the ability to access, by employer’s name or NYCIRB Combo ID, the insured’s most recent experience modification. California's Experience Rating System. less than 1. Collects, analyzes, and publishes timely and accurate labor market information (LMI) meeting established statistical standards. 827. For example, a company with an EMR of 1. On the Search Results screen, click on the combo ID number (blue link) under the Combo ID. Learn more about workplace safety and health from OSHA and other federal agencies, including popular data searches such as: Establishment Search. The merit. Experience rating recognizes the differences among individual employers with respect to safety and loss prevention. 1 Subcontractor Safety Requirements 1. less than 1. 75 to 1. 20 means the firm's accident rate is above the industry norm and raises a company's costs by 20 percent. Attorneys and all other parties may make inquiries by phone at 570-963-4635. 0 and 3. About. 75 to 1. Complete the Management Safety Questionnaire. EMR is a workers' compensation calculation insurance companies use to predict a company's potential for future losses. This searchable database contains a table with the name, address, industry, and associated Total Case Rate (TCR), Days Away, Restricted, and Transfer (DART) case rate, and the Days Away From Work (DAFWII) case rate for the establishments that provided OSHA with valid data for calendar years 1996 through 2011. What EMR means to your premium. 33. 84, an outstanding achievement for any contractor in business. $. com or (215) 320-4442 at a charge of $15 each. A mod rate is a way to scale the cost of the premium up or down depending on company. Collects, analyzes, and publishes timely and accurate labor market information (LMI) meeting established statistical standards. The New Plan. 00 for back to back years, this is generally an indicator that your company was not eligible for an EMR, and was instead awarded a placeholder EMR stating that you are paying 100% of your established Workers Compensation premium. Contact us Department of Consumer and Business Services 350 Winter Street NE P. Allscripts: Best for large organizations. The safety plans required for workplaces with ≥ 25 employees must include a safety committee or “a person designated and trained by the employer for the facility’s safety and health program. , worse safety performance or more claims than the industry average). Type text, add images, blackout confidential details, add comments, highlights and more. Any remaining amounts above the primary loss value were considered. DART RATESearching for Ratings The user enters search parameters in order to obtain the proper search results which are displayed below the search criteria. This program is not intended to cover all the rules and exceptions found in the Experience Rating Plan Manual, and cannot create a final experience modification worksheet. 6. INDEMNITY DATA CALL. Learn about North American Industry Classification System (NAICS) Codes and Bureau of Labor. The Experience Rating Plan is a state-mandated program that uses an individual employer's actual incurred loss experience and compares it to average losses of similarly classified businesses. Sign it in a few clicks. 0 is the benchmark Experience Modification Rate numbers (EMR) have a strong impact upon a business. The experience modification rate (EMR) is a tool used by the U. 7 to 1. Learn about the updated version of NCCI's ABCs of Experience Rating brochure. The new plan will aim to incentivize workplace safety appropriately. Find out more about EMR here: You’ll find out how it can increase or decrease your costs, how to lower your EMR, and more. Search for licensed trades professionals in Wisconsin, such as electricians, plumbers, contractors, and inspectors. You’ve just seen your Experience Modification Rating (EMR) and it is high again. No data available in table. Premiums are determined by multiplying a rate times each $100 of employee payroll. Search. 0, which means that the amount they pay in workers compensation. This program is administered by the Workers Compensation Division of the Wyoming Department of Employment. A common metric used to measure safety performance is the experience modification rating (EMR). 0), your worker's compensation premium. 10 – your premium would be assessed a 10% debit. That’s quite an extreme change in finances with a very small variation. 2 in 2021, the workers’ compensation for that class will rise to $120. For example, the average DART Rate for all industries in 2021 was 1. Click here to search legacy site’s player search form for the time being. 3. 25. This article will explain what an Experience Modification Rate (EMR) is the criteria needed for review. This modifies their premium based on their loss history. ODI data was not collected after 2011. Texas Workers' Compensation Rate Guide. The average experience modification for each industry is 1. Because of this, TCIR is also known as OSHA incident rate. Any rating that is below 1. 86 X 1. To elaborate a bit, the industry average Experience Modification Rate will always be a golden 1. Make sure everyone is aware that “ safety first ” isn’t just a motto, it’s how you do business. 800-622-4123. Learn the basics of the experience rating process. However, the level of risk involved across different occupations varies greatly. Company’s Experience Modification Rating: _____ Available from the MA Workers Compensation Rating and Inspection Bureau. Draw your signature, type it, upload its image, or use your mobile device as a signature pad. Up to twelve Activity Numbers my be entered. 5 results in a 50% penalty, and so on. It also explains what data is used in experience rating and how a mod is calculated. 0 EMR for an employee in the 1016 job class. Improve the accuracy of the experience ratings endorsed to the policy by eliminating errors associated with rekeying data from hard copy. 0 experience modification rate means you are on par with your peers, and achieving the normal or expected safety outcomes of a company of your size in your industry. 9 in. Colorado Division of Insurance. An EHR. We hope as a business owner, the safety of your employees is already of the utmost importance. 50 per $100 of payroll yields a manual premium of $52,500. Get recordkeeping forms 300, 300A, 301. 1 in 2018, according to the Bureau of Labor Statistics. Experience Modification Rate (EMR) as a measure of safety performance. You do have some control over your EMR. The base experience modification rate is 1. The first factor that determines your ISN® rating is the management safety questionnaire (MSQ). 0 – let’s say . The TRIR formula: Total number of recordable injuries/illnesses X 200,000, divided by the total hours worked during the year. 0 EMR. Phone: 303-894-7499 | Toll free outside the Denver Metro Area: 800-930-3745Workers’ Compensation. If it is less, then it is a credit factor. Experience rating is one such refinement. OSHA. The EMR provides a numeric representation of how a particular business’s claims history compares to other businesses in the same. In short, it can be described using this formula: Experience Modification = Actual Losses / Expected Losses. Search by. It’s sometimes referred to as Total Case Incident Rate (TCIR) or the OSHA incident rate. The rate stays with a company for three years. A TRIR calculation is made by taking the number of OSHA recordable incidents your company had in a year, multiplying it by 200,000 (the number of hours that 100 employees, working a 40-hour week, would log in 50 weeks), then dividing that number by the. This form is called the Injury and Illness Incident Report and is used to record information on how each injury or illness case occurred. Research & Planning. For experience modifications calculated between 2010 and 2016, the first $7,000 in losses for each claim were considered primary and used at full value in an employer’s experience modification. 48 to 1. The. injury that falls under OSHA’s definition of a recordable incident. The New York Compensation Insurance Rating Board is a non-partisan, non-profit, unincorporated association of insurance carriers, including the State Insurance Fund. For your Employee Codes, Expected Loss Rate, and Discounted Ratio, you will need to go to [ ] and use the following. The standard Experience Modification Rating is 1, which just means that if your business is about as safe as the average business, you’ll get an EMR. If a business is experience rated, a completed Experience Rating Form (also referred to as an Experience Rating Worksheet, X-Mod Worksheet or ratesheet) is provided to its insurer when a policy is written. Safety Topics. This article will explain what an Experience Modification Rate (EMR) is the criteria needed for review. This Text file contains the both the latest rates and classification wording in a standard text file delimited by the dollar sign. Thus, experience rating benefits employers and employees by promoting occupational safety and timely return to work for injured workers. 00 or $5000. Often in a decimal or percentage format. The Experience Modification Rate (EMR) is a rate assigned by your worker's compensation insurance carrier. It also means that the company receiving the rating is average in its number of workers’ comp claims for that particular industry. Computing your EMR safety rating can live confusing to say this least. A New Employee Safety Orientation Program is required before a team member reports for duty. There are over 90 different primary loss values ranging from $4,500 to $75,000. A lower EMR indicates below-average risk and a lower than average premium. Then the EMR is used to determine your final workers’ compensation premium. ACTUAL RATE (L) = E + F x H. The electronic health record (EHR) is a more longitudinal collection of the electronic health information of individual patients or populations. A . The rate is derived from the insurance company’s multiplier for your classification code. The Standard Industrial Classification has been replaced by the North American Industry Classification System (NAICS), but several OSHA data sets are still available with SIC-based data. If your EMR is 1. Simply type any key word (s) into the input field below, then select the. This post is one in a 3-part series on the Experience Modification Factor in Workers’ Compensation: 4 Ways to Lower Your Experience Modification Rate and Why it Matters How to Calculate Your Minimum Experience Modification Factor Experience Modification Factor Fundamental – Actual vs Expected The experience modification. TUMWATER — For the second time in five months, a Snohomish roofing company is facing more than $400,000 in fines for disregarding safety rules it has violated 60 times over. 5 or higher. 00. 0 or higher means your company has above-average risk compared to similar companies, which translates to a higher workers' compensation insurance premium. Responsibility At each job site, we appoint a competent individual who will assume the responsibility of our safety program and can take immediate action on safety violations. 8 then you’re being given a 20% discount, and so on. The experience modification rate, or Ex Mod, is used by insurers to describe both past injuries and future risk. Experience Modification Rate (EMR) Calculator - CompZone™ Experience Modification Rate (EMR) Calculator Are you overpaying on your workers' compensation? Our ex-mod. 50 equals $2,500. In addition, the program offers:The total recordable incident rate or TRIR is a measure of occupational safety. Search! A searchable list of NCCI workers compensation industry class codes, rates, and exclusive analytics reports used in commercial business insurance. Search. Virginia rates are about 21% below the national. How to Calculate Your Experience. experience modification rate = l / m Again, remember that this formula is not taking caps into consideration, so extremely large claims (around $300,000) will result in an inaccurate EMR. We would like to show you a description here but the site won’t allow us. Please refer to the Proof of Coverage State Guide for additional details about NCCI's POC service in. 5 CONTRACTOR SAFETY SELF-EVALUATION CHECKLIST 1. Use key words to search Q & As on OSHA's injury and illness recordkeeping requirements for employers. Experience Rating. That means your company is no more or no less of a risk than other companies. 1, 2022. About OSHA ; Find an OSHA Office ; State Plans ; Job Safety and Health Poster ; Careers ; Freedom of Information Act ; Speaker Requests ; Standards Back. If your EMR is 1. 212-697-3535 . NCCI provides Proof of Coverage data to the Maryland Workers' Compensation Commission. Your experience modification rate, also known as an e-mod, EMR, or experience modifier, is a good example. A higher EMR means a higher insurance premium as well. As a result of the current program’s inefficiencies, a new experience modification rating plan for New York state is set to begin on or after Oct. Once this selection is made, this will display the history of experience modificationEmergency Medical Responders provide immediate lifesaving care to critical patients who access the emergency medical services system. 2, then you are paying 20% more than you should be paying, 1. Add the entries from Part 1B: Summary of Work-Related Injuries and Illnesses.