Schedule Credits - Workers Comp Term Of The Day

Schedule Debits/Credits - discretionary premium adjustment based on underwriters evaluation of special characteristics of a risk not reflected in the E-Mod.

I have seen where the Schedule Debits/Credits can cause a 25% increase or a decrease to an employer's premium. Most of the credits involve safety issues such as housekeeping, guards in place, etc. The Schedule Credits can offset part of the premium increase caused by a higher E-Mod. Each state has its own specific set of criteria.