How United Heartland Impacts Experience Mods
Our Approach to Workers’ Compensation Delivers Savings
| Risk Type | Change |
|---|---|
| Long-term Care | -26.5% |
| Health Care | -32.6% |
| Manufacturing | -32.3% |
| Hotel/Restaurant | -49.9% |
| Education | -16.9% |
| Wholesale/Retail | -29.3% |
| Social Services | -17.6% |
| All Other | -31.0% |
| Total | -29.3% |
A 2018 study found accounts that came to United Heartland with an experience modification factor (EMF) of 1.25 or greater, and stayed for four or more years, obtained an average experience mod savings of 29.3% due to EMF improvement.*
Through our comprehensive, results-oriented approach, we’re able to deliver responsive and valued solutions directed toward:
- Sustainable safety improvements to reduce and eliminate injuries
- Innovative claims management centered on quality outcomes and effective expense management
- An aggressive and comprehensive return-to-work approach
By working collaboratively with our customers and agents, we are able to provide workers’ compensation solutions that lower the cost of risk and result in high satisfaction for customers throughout the industries we serve.
See how these collaborative efforts have led to significant potential savings for accounts.
Experience Modification Factor Improvement by Segment
Long-Term Care
| Initial Manual Premium | Year 1 EMF | Most Recent EMF | EMF Difference | Estimated Annual Savings |
|---|---|---|---|---|
| $91,211 | 1.56 | 0.69 | -0.87 | $50,868 |
| $66,413 | 1.38 | 0.70 | -0.68 | $32,725 |
| $138,438 | 1.65 | 0.98 | -0.67 | $56,214 |
| $164,052 | 1.35 | 0.70 | -0.65 | $78,988 |
| $313,282 | 1.30 | 0.68 | -0.62 | $149,411 |
Health Care
| Initial Manual Premium | Year 1 EMF | Most Recent EMF | EMF Difference | Estimated Annual Savings |
|---|---|---|---|---|
| $281,550 | 1.67 | 0.63 | -1.04 | $175,337 |
| $136,515 | 1.70 | 0.70 | -1.00 | $80,303 |
| $273,326 | 1.74 | 0.97 | -0.77 | $120,955 |
| $173,204 | 1.60 | 0.85 | -0.75 | $81,189 |
| $120,955 | 1.55 | 0.80 | -0.75 | $58,527 |
Social Services
| Initial Manual Premium | Year 1 EMF | Most Recent EMF | EMF Difference | Estimated Annual Savings |
|---|---|---|---|---|
| $217,717 | 3.12 | 0.62 | -2.50 | $174,453 |
| $112,340 | 1.82 | 0.83 | -0.99 | $61,108 |
| $83,651 | 1.43 | 0.72 | -0.71 | $41,533 |
| $113,709 | 1.36 | 0.61 | -0.75 | $62,707 |
| $83,651 | 1.43 | 0.72 | -0.71 | $41,533 |
Manufacturing
| Initial Manual Premium | Year 1 EMF | Most Recent EMF | EMF Difference | Estimated Annual Savings |
|---|---|---|---|---|
| $116,639 | 1.89 | 1.00 | -0.89 | $54,925 |
| $114,021 | 1.48 | 0.73 | -0.75 | $57,781 |
| $190,746 | 1.47 | 0.81 | -0.66 | $85,641 |
| $86,513 | 1.51 | 0.91 | -0.60 | $34,376 |
| $157,393 | 1.41 | 0.82 | -0.59 | $65,859 |
Other (hospitality, wholesale/retail, education and others)
| Initial Manual Premium | Year 1 EMF | Most Recent EMF | EMF Difference | Estimated Annual Savings |
|---|---|---|---|---|
| $104,699 | 1.45 | 0.77 | -0.68 | $49,100 |
| $2,270,440 | 1.44 | 0.79 | -0.65 | $1,024,851 |
| $125,961 | 1.55 | 0.92 | -0.63 | $51,197 |
| $204,049 | 1.32 | 0.75 | -0.57 | $88,112 |
| $333,730 | 1.41 | 0.85 | -0.56 | $133,492 |
*Based on United Heartland policies written since 2010. Savings calculated based on change from initial experience mod written with UH versus most recent experience mod with UH, no other premium factors considered.
