Mod Factor (synonym for Experience Modifier)
Definition. Mod Factor — also called Mod, EMR, or X-Mod — is the Workers Comp claims-history multiplier applied to base premium. 1.00 is industry average.
Also known as: Mod, X-Mod, EMR
See Experience Modifier (EMR) for full detail. Many WC documents and conversations use Mod Factor interchangeably. Below 1.00 = discount. Above 1.00 = surcharge. Built from 3 years of claims data.
Sources cited
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