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1、2014-CAS8§4Gillam,W.C.ExperienceRatingHCM5/13/14,Page106Section4,Gillam,WorkersCompensationExperienceRating63Outline:1.PurposeofExperienceRating2.MeasuringHowWellExperienceRatingWorks3.PayingforWorkersCompensationInsuranceIntroductionThePremiumTransactionsFigure1,PolicyTransactionFlowchartFigure2,
2、SampleUnitCardFigure3,SampleRatingForm4.PremiumImpactofExperienceRating5.CalculationofExperienceRatingValuesandPlanParametersA.ElementsofRatemakingDataTable1,UnitPlanInjuryTypeCodesTable2,CategorizationofInjuryDataforClassificationRatemakingB.ElementsofExperienceRatingC.InterrelationshipsinCalcula
3、tionsofRatesandRatingValuesD.CalculationofPlanParameters1.StateReferencePointExhibit1E.CalculationofRatingValues-MajorSteps1.CalculationofExpectedLossRates-Overview2.CalculationofD-Ratios-OverviewMoreimportantsectionsanditemsinbold.Lessimportantsectionsanditemsinitalics.63“Workers?CompensationExpe
4、rienceRating:WhatEveryActuaryShouldKnow,”byWilliamRobinGillam.OnlySections1-5,pp.215-239areonthesyllabus.CASLearningObjectivesB3andB4.2014-CAS8§4Gillam,W.C.ExperienceRatingHCM5/13/14,Page107Sections6and7arenotonthesyllabus.6.CalculationofRatingValues-DetailStep1-CalculationofELRLevelFactorExhibit2
5、Exhibit3Step2-CalculationofHazardGroupFactorsExhibit4Exhibit5Step3-ExpectedLossRateChecksheetExhibit6Step4-CalculationofD-ratioFactorsExhibit7Step5-D-ratioChecksheetExhibit87.AdministrationofExperienceRating2014-CAS8§4Gillam,W.C.ExperienceRatingHCM5/13/14,Page108EfficiencyTest:Gillamatpage220onthe
6、Meyersefficiencytestofexperienceratingplans:“Inthistest,thesamplevarianceinlossratiosacrossallrisksinasizegroupiscomparedformodifiedversusunmodifiedlossratios.Thestatisticistheratiooftheformertothelattersamplevariances:lowerstatisticsindicatebetterreductioninrisklossratiovariance.”Meyersonpage287o
7、f“AnAnalysisOfExperienceRating,”PCAS1985:64“Thepurposeofexperienceratingistoestimatetheexpectedlossratio,μ.Ifexperienceratingwerenotused,ourestimateofμwouldbeM,whichwouldbesubjecttoerror.Agoodmeasure,withhistoric
