Agent

This change will improve accuracy and stability. Please see the article from MWCIA Q1 2024 newsletter for more details: Decimal Extension – Why Do It?  

None, this is a premium neutral update.  

No, the rounding rules are updated. The underlying derivation of pure premium base rates and expected loss rates (ELRs) are not changed.  

The Minnesota Department of Commerce advises carriers may file for an effective date after 1/1/26 should additional time be required to update their systems.  

No, experience modification factors will remain at two decimal places. The expected loss rates (ELRs) used in the experience modification calculation will expand to three decimal places. 

Guidance for Statistical Code 9741Catastrophe (Other Than Certified Acts of Terrorism) will have a trailing zero. Guidance for Statistical Code 9740 Catastrophe Provision for Terrorism currently uses three decimal places.  

WCIO WCPOLS supports reporting manual rates with three decimal places. Policies effective 1/1/26 and subsequent will be reported using three decimal manual rates. 

WCIO WCSTAT supports reporting manual rates with three decimal places. 1st report valuations on 7/1/27 and subsequent will be reporting with three decimal manual rates. 

For determination of an independent contractor please contact the MN Department of Labor and Industry at: (651) 284-5032 option 3 for the work comp hotline or visit the MN Department of Labor website at: 

Construction worker misclassification | Minnesota Department of Labor and Industry

Misclassification FAQs | Minnesota Department of Labor and Industry

1. An expiration date of June 30, 2023, was filed an approved for:
   
   1. Statistical Code 0012—Paid Furloughed Employees
   2. The exclusion of payments to paid furloughed employees during federal, state, and/or local emergency orders, laws, or regulations issued due to the COVID-19 (coronavirus) pandemic from premium and experience rating calculations
   3. The final premium reporting rule exception for the COVID-19 (coronavirus) pandemic.
   4. Please see Circular No 23-1821 for full details.

Must be at least 10 characters in length and must have at least one upper, one lowercase, one number and one special character (i.e. !@#$%^&*)

When you make a payment via OAR, you are accessing the US Bank system.  US Bank uses the zip code to authenticate you as a customer.  The bank verifies the zip code that you enter against the zip code that OAR passes.  If the zip codes do not match, then you are not authorized to continue with the payment.

OAR rounds to the closest dollar when computing the amounts that appear in the premium column.

Click on the initials on the upper right of the blue bar on the Home Page. Click on “Profile”. Make sure that the email address on record is correct. If not, make the updates and click the "Update Profile" button.

It may be that you have a pop-up blocker turned on.

Click on the initials on the upper right of the blue bar on the Home Page. Click on “Profile”. Make your changes and select the Update Profile button.

Payment for hard copy applications must be made by certified check, bank draft, money order, finance check, employers check or agency check. 3rd party checks will not be accepted by the Assigned Risk Plan.

If the MWCIA has assigned your application pending payment, then you must make electronic payment within two business days or coverage will not be bound. OAR will connect you to a secure U.S. Bank website to complete payment by electronic check or credit card. (Currently, the following credit cards are accepted: VISA, MasterCard.)

Steps to make payment:

1. After you have logged in to OAR, locate the application on the “My Applications” page. Click on the corresponding Ellipsis icon (⋮) and select “Make Premium Payment”.
2. The payment amount will be displayed. Review and/or edit this amount. Also, be sure to note the “shared secret”. This information may be necessary to confirm your identity on the US Bank site. Click on the “Make Payment” button.
3. Enter the contact information and indicate the type of payment you wish to make: E-check or credit card. Click on the "Continue" button. 
4. Continue to step through the screens, confirming and/or providing the necessary detailed information to complete payment. Click on “Continue” to advance from one screen to the next.

If you haven't already submitted the application, click on the rightmost application tab labeled “Attachments/Submit”. The “Attachments” screen will be displayed. At the top of the screen, OAR will list any attachments that are required based on data you have entered. To add an attachment, use the down arrow to select the type of attachment and then select the attachment option.

If you have already submitted the application and you received an email from us requesting the payroll decrease information, you need to login to OAR. Select the appropriate application from the list and select the Ellipsis icon (⋮). Select View Application and Components and then select either file or free form text.

NOTE: For either a file or free-form attachment, be sure to click on the “Save” button to save your changes. Click “Save” for each separate attachment type.

A separate username and password is required for OAR (Online Assigned Risk).

No changes can be made to an online application once the application has been submitted to MWCIA. Change requests can be sent to the servicing contractor once you have received an email that payment has been received. Allow one business day for the servicing contractor to receive the application data.

Refer to the OAR User Guide. Advance to this screen by clicking on the “Forgot Username or Password” link on the Home page. Enter the user name or the email address associated with your OAR account. OAR will email your username and password to the email address currently on record for your account.

Online applications must be paid for electronically. If a check is mailed to MWCIA, it will be returned without coverage being bound.

If the MWCIA has assigned your application pending payment, then you must make electronic payment within two business days or coverage will not be bound. OAR will connect you to a secure U.S. Bank website to complete payment by electronic check or credit card. (Currently, the following credit cards are accepted: VISA, MasterCard.)

To submit an application, you must be logged in and viewing the application. The application must be in a “Not Submitted” status. Click on the “Attachments/Submit” application tab. Then click on the “View & Submit” button.

You will advance to the “View Application” page. A PDF (read-only, printable) version of your application will appear in the window. You may review the application and/or print a copy for your own records. To print, be sure to click on the printer icon at the top of the PDF window (rather than the browser print icon.)

To submit the application, to MWCIA, click on the “Submit” button on the bottom of the “View Application” page. To cancel the submission, click on the “Cancel” button.

Once you have submitted your application, you will not be allowed to modify or delete the application.

If you are an agent submitting the online application for an employer, you should enter your contact information in this section. That way you will be notified by email that the payment has been received.

Once an application has been submitted, all corrections/changes must be sent to the servicing contractor. The servicing contractor's address will be included in the email you receive from MWCIA advising that payment has been received. Please do not email this information to MWCIA.

You can attach a request for a Certificate of Insurance to an online or hard copy application. MWCIA does not issue the certificate. The request is forwarded to the servicing contractor along with the assignment. If the application was submitted without the request for a certificate, you should contact the servicing contractor.

Yes, however you will need to add the MN Special Comp Fund Assessment surcharge to the minimum premium.