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POLICYHOLDER NOTICE CALIFORNIA WORKERS' COMPENSATION INSURANCE RATING LAWS Pursuant to Section 11752.8 of the California Insurance premium to reflect your claim history. A better claim Code, we are providing you with an explanation of the history generally results in a lower experience rating California workers' compensation rating laws. modification; more claims, or more expensive claims, generally result in a higher experience rating 1, We establish our own rates for workers' modification. The uniform experience rating plan, compensation. Our rates, rating plans, and related which is developed by the insurance rating information are filed with the insurance organization designated by the insurance commissioner and are open for public inspection. commissioner, is subject to approval by the insurance commissioner. 2, The insurance commissioner can disapprove our rates, rating plans, or classifications only if he or she 5. A standard classification system, developed by the has determined after public hearing that our rates insurance rating organization designated by the might jeopardize our ability to pay claims or create a insurance commissioner, is subject to approval by monopoly in the market. A monopoly is defined by the insurance commissioner. The standard law as a market where one insurer writes 20% or classification system is a method of recognizing and more of that part of the California workers' separating policyholders into industry or compensation insurance that is not written by the occupational groups according to their similarities State Compensation Insurance Fund. If the and/or differences. We can adopt and apply the insurance commissioner disapproves our rates, standard classification system or develop and apply rating plans, or classifications, he or she may order our own classification system, provided we can an increase in the rates applicable to outstanding report the payroll, expenses, and other costs of policies. claims in a way that is consistent with the uniform statistical plan or the standard classification system. 3. Rating organizations may develop pure premium rates that are subject to the insurance 6. Our rates and classifications may not violate the commissioner's approval. A pure premium rate Unruh Civil Rights Act or be unfairly discriminatory. reflects the anticipated cost and expenses of claims per $100 of payroll for a given classification. Pure 7. We will provide an appeal process for you to appeal premium rates are advisory only, as we are not the way we rate your insurance policy. The process required to use the pure premium rates developed by requires us to respond to your written appeal within any rating organization in establishing our own rates. 30 days. If you are not satisfied with the result of your appeal, you may appeal our decision to the 4. We must adhere to a single, uniform experience insurance commissioner. rating plan. If you are eligible for experience rating under the plan, we will be required to adjust your Form PN 04 99 02 B(Ed. 5-02) Printed in U.S.A. Page 1 of 2