Reader Question-How Can I See My X-MOD Calculation Sheets?

A Question From One of Our Readers - In one of your old posts, you went through how Workers Comp E-Mods (Experience Modification Factors - also known as X-Mods) are calculated. My company is in California only. How do I go about obtaining a copy of my X-Mod calculation sheets?

The rating organization that covers California is the Workers Compensation Insurance Rating Bureau (WCIRB). They are responsible for all the X-Mod calculations in the state of California.

You SHOULD HAVE received an E-Mod directly from the WCIRB, your insurance carrier, or your agent. I would suggest contacting your agent to obtain a copy. If you are a small company that does not use an agent, you should contact your insurance carrier. The X-Mod Rating Sheets are a little confusing. It may be best to have your agent explain the sheets to you.

If you would like to contact the WCIRB, their web address is https://wcirbonline.org/. They are helpful, but they will not give out any type of advice or an opinion, especially over the phone.

Next Up - How to Dispute an X-Mod Calculation