In simple terms, this formula is designed to compare a specific employers historical claim and payroll data to other employers with similar business operations. This factor is developed each year that an employer qualifies by applying data gathered for the experience period from the employers insurance company to the experience rating formula. You can verify that the EMR, EMOD or XMOD used on your policy is accurate through a Experience Modification Rate Review. It can have a great impact on premium an employer pays. The Experience Modification Rate, EMR or the EMR Rating, is a rating factor applied to all experience rated workers compensation policies.
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