Data Collection

Description of data collected from ICRB members to the Bureau

The ICRB collects data from its members to carry out its ratemaking and experience rating functions as well as for research for workplace safety. The ICRB contracts with the NCCI to collect and validate Indiana data. The data can be summarized into these categories:

  • policy and endorsement data
  • statistical plan data
  • financial data
  • detail claim information data
  • expense data (Insurance Expense Exhibit or IEE)
  • medical call data

Policy and Endorsement Data

This data includes the workers compensation policy information pages, endorsements, cancellations, reinstatements, and nonrenewals for all policies with Indiana exposure. The policy information is estimated and subject to audit after the policy expires. This data is used by the WC Board of Indiana for its proof of coverage system. Policy data is due within 30 days of effective date. 

NCCI Policy & Proof of Coverage webpage

Statistical Plan Data

Statistical plan data is audited premium, payroll, and loss experience for each policy, by state and by class code. This data is used to determine rate changes at the classification code level, and production of experience modification factors. The data is valued 18 months after the policy effective date and submitted by the 20th month. Four subsequent annual updates are required when claims remain open.

Also known as Workers Compensation Statistical Plan Data (WCSP), unit statistical data, unit statistical reports, unit reports, and USP data. 

NCCI Unit Statistical Plan webpage

Financial Data Calls

Aggregated workers compensation data on a company’s financial performance. 

Financial data is aggregate summaries of premium and loss data transactions for a given policy year, calendar year or accident year. This data is used to determine overall rate level changes. ICRB members report their data directly to NCCI via “Annual Calls for Experience.” These “financial calls” are normally requested in October and due the following April.

NCCI issues 22 aggregate financial calls for the state of Indiana. The primary ratemaking calls are: Policy Year; Calendar-Accident Year; Assigned Risk Policy Year; Assigned Risk Calendar-Accident Year; and the Reconciliation Report.

NCCI reconciles calendar year financial data with annual statements to ensure consistent reporting. The Reconciliation Report (Call #8) reconciles data reported on the Exhibit of Premium, Losses, and Expenses, Statutory Page 14 of a carrier’s annual statement with calendar year data reported to NCCI on the Calendar-Accident Year Call (Call #5).

The Reconciliation Report requires data providers to reconcile calendar year data on their call submissions to the data reported on their Annual Statement to the NAIC. The Annual Statements undergo examination by state insurance departments. As a result, the Annual Statements provide a credible source for verifying the accuracy of the calls.

After reconciliation and validation of the financial call data, it is aggregated and merged with historical data for the ratemaking analysis. The analysis includes a review of alternate loss development methods, trend projections, state economic conditions, and benefit changes to arrive at the overall loss cost indication. This overall indication is distributed to each classification using statistical plan data.

NCCI Financial Call web page

If you have any questions, please contact NCCI’s Customer Service Center via the online form at or call 800-NCCI-123.

Detailed Claim Information (DCI)

DCI data provide further breakdowns on individual claims. The data consist of indemnity (lost time from work) claims. DCI utilizes a state-specific random sampling process to identify reportable claims, which are used for a more refined analysis of workers compensation. This data supports statistical analysis of the costs and characteristics of indemnity claims. DCI data serve as the basis for research initiatives and law change evaluations and help explain the underlying causes of trends in claim costs. The Indemnity Data Call participation threshold in Indiana is groups with a minimum of 1% of the Indiana market share.

NCCI DCI webpage

Medical Data Call

Data that supports statistical analysis of medical cost impacts of legislative benefit changes.

Indiana will participate in NCCI’s Medical Data Call program, for which NCCI will begin to collect the data in 4Q 2010.

Analyzing medical data in more detail is required to effectively measure the impact of workers compensation legislation and regulations that are anticipated to be considered in the future.

About 75% of Indiana workers compensation benefits are attributable to medical costs, and the percentage is increasing. The rising cost of medical care is the major issue facing workers compensation stakeholders. With this continuing escalation of medical claim costs, many state regulators and legislators across the country have looked for support in the analysis and pricing of their medical cost containment solutions.