Yes.  Please refer to Part 10 of the Minnesota Aggregate Financial Data Reporting Handbook for details.

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1. 2021--$445,000
   
   
2. 2022--$461,000
   
   
3. 2023--$485,000
   
   
4. 2024--$245,000
   
   
5. 2025--$239,000

Effective 1/1/2025:  The insured must be in business at least 2 years and meet one of the following premium criteria:

• $14,500 unmodified premium in the 1st year of the experience rating period or,
• An average of $14,500 unmodified premium in the first 2 years of the experience rating period or, 
• If an insured has more than 2 years of experience, they must develop an average annual unmodified premium of $7,250 in the experience rating period.

Elements of the Experience rating plan formula

• ACTUAL LOSS = Total value of claim including reserves.
• PRIMARY LOSS = Reduced amount of claim used in formula.
• EXPECTED LOSS = Amount of claim your business is expected to have based on your business type (class codes) and size (payroll).
• FORMULA FACTORS
  • EXPECTED LOSS RATE = Factor used to determine the amount of losses by class code expected by the formula.
  • D RATIO = Discounts the expected loss total to arrive at the expected primary loss.
  • WEIGHT FACTOR = Percentage of actual losses used in formula.
  • BALLAST FACTOR = Stabilizing element that limits modification fluctuation in the formula.

Three complete years of experience ending one year prior to the effective date of experience rating.

Click here to see the example.

Modifications are typically calculated once a year and any changes to a claim during the year are included in the next experience rating year.

The electronic version of an Experience Rating is available on the CDX web site. Please note that CDX web site is for only registered carriers. You may also access electronic experience ratings through the Web Experience Mod product located on our website.

Questions about Experience Modifications can be sent to our Experience Modification Department by emailing unitstat@mwcia.org.

• 2021--$222,500
• 2022--$230,500
• 2023--$242,500
• 2024--$122,500
• 2025--$119,500

Minnesota Statute 176.041, Subdivision 1. outlines certain employments and individuals who are automatically excluded from workers' compensation coverage in Minnesota. If the employment or individual does not meet the qualifications outlined in the statute, they are automatically included. The employments and individuals who are automatically excluded from coverage have the option, if they so choose, to elect coverage. Refer to Minnesota Statute 176.041, Subdivision 1. for details.

MN Statute 176.041 subdivision 1 (14) states that a domestic worker would be excluded from coverage if - " a person employed as a household worker in, for, or about a private home or household who earns less than $1,000 in cash in a three-month period from a single private home or household provided that a household worker who has earned $1,000 or more from the household worker's present employer in a three-month period within the previous year is covered by this chapter regardless of whether or not the household worker has earned $1,000 in the present quarter"

MN Statute 176.041 lists excluded employments.

Nonprofits are exempt from providing coverage if they have paid out less than $1,000 in annual wages in the preceding calendar year.

 If the $1,000 threshold has been exceeded and because there is no ownership in non-profits, everyone is considered an employee.

Those individuals listed in the company charter or articles of incorporation as executive officers (President, Vice President, Secretary, and Treasurer), would be held to the officer min/max payroll amounts provided they are active in the day to day operations.

If officers are not active except to attend meetings, then they are excluded.

Everyone else is included at their actual payroll received.

In the MN Basic Manual Rule 2 - Premium Basis and Payroll Allocation, G. Interchange of Labor. Click here to open the MN Basic Manual.

In the MN Basic Manual, Rule 1 - Classification Assignment, F. Changes or Corrections in Classifications. Click here to open the MN Basic Manual.

The definition of payroll, for workers compensation, means money or substitutes for money. Refer to the MN Basic Manual, Rule 2 - Premium Basis and Payroll Allocation, B. Payroll, for a list of what's included. Click here to open the MN Basic Manual.

Please see Basic Manual Rule 2.E.1.b. Premium Determination

The payroll of all executive officers covered by the policy shall be included in the statement of payroll and premium charged subject to the following limitations:

(1) minimum individual per week payroll equal to the minimum individual payroll value for this rule stated in the Miscellaneous Values of the current Minnesota Ratemaking Report.

(2) maximum individual per week payroll equal to the maximum individual payroll value for this rule stated in the Miscellaneous Values of the current Minnesota Ratemaking Report.

(3) The payroll limitations in b(1) and b(2) apply to the average weekly payroll of each executive officer for the number of weeks the officer was covered under the policy.  A part of a week is considered as a full week in determining the average weekly payroll.

No. If you are currently approved to submit policies, cancellations, reinstatements, and change transactions electronically, then submit your response through CDX. If you are not approved to submit data via CDX, then send your responses, using our Manage Policy System.

Technical questions about the CDX website can be answered by Marc Coleman at 952-897-6438 or send an email to CDXMN@mwcia.org or by using our online chat feature in the lower right portion of your screen.

It is the carrier's responsibility to maintain the data in their own systems. The Manage Policy export feature can be used to create a file in a WCPOLS format of accepted transactions. This file can be used for record-keeping purposes and/or storage in the carrier's system.

No, the system is not intended to be a replacement for CDX. MWCIA will continue to accept submissions from CDX.

No, the system is not designed to maintain transactions for states other than Minnesota. Only data pertaining to Minnesota will be retained. Minnesota collects only limited information for other states, such as 3A state premiums.

1. See the WCIO Workers Compensation Data Reporting Handbook for instructions on how to report policies and procedures for filing electronically.
2. See the MWCIA Manage Policy System User Guide for information on how to manually enter transactions.

You may search for a transaction on the Transaction Search tab. The status of the transaction will indicate if it has been accepted, rejected, or is still pending. If the transaction has errors or warnings, you may open the transaction and click on the Errors tab to view the errors.

To check on the status of a submission, you may search for the submission on the Submission Search tab.

You may also search for errors on the Letters/Errors screen. Please note that only transaction errors may be found here, not submission errors. Also, error search results will include errors for current transactions only, based on issue date. For further information, please see the Manage Policy User Guide.