Carrier

How can carriers obtain MCPAP PDF worksheets?

Thu, 30 Oct 2025 15:12:03 GMT

MWCIA's Experience Mod History product allows carriers to download the most recent five years' MCPAP PDF worksheets for an employer. Please refer to the Experience Mod History user guide for more information.

How can a carrier receive MCPAP information electronically?

Thu, 30 Oct 2025 15:09:48 GMT

Effective 7/1/2024, carriers can receive MCPAP credit factor information via the new WCIO Workers Compensation Construction Premium Adjustment Program (WCCPAP) data specification. WCCPAP files are transmitted through secure FTP via CDX.

What is changing?

Wed, 02 Apr 2025 16:24:28 GMT

Minnesota pure premium base rates, assigned risk rates, and expected loss rates are moving from two decimal places to three decimal places in precision effective 1/1/26.

Why is an additional decimal place added?

Wed, 02 Apr 2025 16:23:37 GMT

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

What is the impact of this change?

Wed, 02 Apr 2025 16:22:31 GMT

None, this is a premium neutral update. 

Is this a methodology change?

Wed, 02 Apr 2025 16:21:42 GMT

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

What if carrier systems are not ready yet?

Wed, 02 Apr 2025 16:20:55 GMT

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. 

Will experience modification factors be extended to three decimal places?

Wed, 02 Apr 2025 16:20:13 GMT

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.

What miscellaneous values will also be extended to three decimal places?

Wed, 02 Apr 2025 16:19:29 GMT

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

How does this change impact Policy Data?

Wed, 02 Apr 2025 16:18:36 GMT

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.

How does this change impact Unit Statistical Data?

Wed, 02 Apr 2025 16:16:29 GMT

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.

How do I determine if someone is an independent contractor?

Fri, 28 Feb 2025 20:24:34 GMT

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

How can a carrier test WCCPAP with their system?

Tue, 16 Jul 2024 18:58:59 GMT

Please contact MWCIA to obtain a sample WCCPAP file for testing. MWCIA can provide a limited number of test files, within certain restrictions. If you are interested in testing, please send an email to cdxmn@mwcia.org.

How often are WCCPAP files produced?

Tue, 16 Jul 2024 18:46:40 GMT

One flat file is sent per carrier group per business day. These files are triggered by activity in our system, so a WCCPAP file may not be produced every day.

How does a carrier elect to receive the WCCPAP file instead of hard copy MCPAP worksheets?

Tue, 16 Jul 2024 18:39:42 GMT

To begin receiving WCCPAP files instead of hard copy MCPAP worksheets, the carrier can provide a list to MWCIA of every carrier in the carrier group that should be included in the WCCPAP file. MWCIA will then trigger production of WCCPAP files for those carriers. Hard copy MCPAP worksheets will no longer be provided to the carrier once WCCPAP is turned on.

MWCIA utilizes the CDX system to send WCCPAP files to carriers. Carriers can work with their CDX Insurer Primary Administrator (or a user with admin privileges) and/or their IT department to set up a Location in CDX to receive the files. The files will also be available for manual download from the CDX ETR area, and anyone with ETR privileges can access them for up to a month.

What are the specifications of the new WCCPAP file? What data elements are included?

Tue, 16 Jul 2024 18:27:36 GMT

The specification and data elements can be found on the WCIO Website:

https://www.wcio.org/sites/default/files/2024-05/WCCPAP.pdf

How can a carrier receive MCPAP information electronically?

Tue, 16 Jul 2024 14:21:02 GMT

Can a carrier elect to receive both a hard copy of the MCPAP worksheet and the electronic WCCPAP file?

Tue, 16 Jul 2024 14:17:15 GMT

No, a carrier can elect to receive WCCPAP files OR they can continue receiving hard copy MCPAP worksheets, until 7/1/2025. Effective 7/1/2025, MCPAP credit factor information will only be available to carriers electronically.

Whom should I contact to ask about unit statistical reporting in general?

Wed, 03 Jan 2024 20:23:40 GMT

Questions about Experience Modifications can be sent to our Experience Modification Department by emailing unitstat@mwcia.org. Or, by using the chat feature in the lower right hand corner of your screen.

What expenses are considered DCCE?

Fri, 13 Jan 2023 17:07:50 GMT

Please see Part 4, Section D of the Minnesota Aggregate Financial Data Reporting Guidebook for details.