Bay Actuarial Consultants
The California Roller Coaster
Workers' Compensation
General and Auto Liability
Our Technical Approach
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The California Roller Coaster
Glossary of Actuarial Terms
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In the late 1990's workers' compensation costs in California were increasing rapidly. Reforms were enacted in 2003 and 2004, and these reforms turned out to be very effective. Costs fell rapidly and hit their lowest level in 2006. They have been increasing steadily ever since. The charts below show the trends in indemnity claims ("medical-only" claims are excluded). The data comes from a large sample of public schools and community colleges. The workers' compensation experience in other industries followed the same general pattern.
The rates in the third chart are dollars of loss per $100 of payroll for indemnity claims only.




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