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experience rating

   Also found in: Financial 0.02 sec.
experience rating
[ikspir′ē·əns]
Etymology: L, experientia, testing, rata, proportion
a system used by insurance companies in the United States to set the premium to be paid by the insured on the basis of the risk to the company of providing the insurance. Experience rating may lead to very high malpractice premiums in some medical specialties, for the insurance company calculates the premium on the basis of settlements made in related malpractice cases during a specified period. Experience rating is also used to set annual membership health maintenance fees in organizations in which the cost of providing the services in a previous accounting period is used to determine the premiums for the next fiscal year.

experience rating,
n a determination of the premium rate for a particular group partially or wholly on the basis of that group's own experience. Age, sex, use, and costs of services provided determine the premium.


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Thirty-five states now assign a professional employer organization its own experience rating based upon the actual experience of the worksite employees.
Then the multivariate model--the segmentation, the predictive model--will determine whether there should be experience rating, schedule rating, based on the individual characteristics of the risk.
The experience rating system, the basis for premiums paid by employers remains and continues to-encourage employers to to protect themselves from higher payroll costs.
 
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