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Delaware Compensation Rating Bureau Delaware Compensation Rating Bureau
  • About Us

    About Us

    Learn who we are, what we do, and why our work matters to Delaware's workers’ compensation system. This page provides an overview of our mission, role, and commitment to delivering trusted data, objective analysis, and essential services that support a fair and stable marketplace.
    About Us
    • Leadership
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      Leadership

      Meet the executive team responsible for guiding our organization’s strategy, governance, and service to the system. This page highlights the experience, expertise, and accountability behind the decisions that shape our work on behalf of members and stakeholders.

    • Membership
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      Membership

      Understand who our members are, what membership means, and how we support insurers operating in Delaware. This page outlines eligibility, responsibilities, and how DCRB helps members meet regulatory requirements and make informed business decisions.

    • Careers
      building-skyline

      Careers

      Explore opportunities to build a meaningful career in our mission-driven organization. This page provides insight into our culture, values, and benefits, and highlights how our people contribute to data-driven insights, member service, and continuous improvement across the workers’ compensation system.

    • Contact
      Inside-the-Ownership-ERM-14-Form-1

      Contact

      Get in touch with DCRB for general inquiries, support, or guidance related to Delaware workers’ compensation services and resources.

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    Leadership

    Meet the executive team responsible for guiding our organization’s strategy, governance, and service to the system. This page highlights the experience, expertise, and accountability behind the decisions that shape our work on behalf of members and stakeholders.

    Trust

    Membership

    Understand who our members are, what membership means, and how we support insurers operating in Delaware. This page outlines eligibility, responsibilities, and how DCRB helps members meet regulatory requirements and make informed business decisions.

    building-skyline

    Careers

    Explore opportunities to build a meaningful career in our mission-driven organization. This page provides insight into our culture, values, and benefits, and highlights how our people contribute to data-driven insights, member service, and continuous improvement across the workers’ compensation system.

    Inside-the-Ownership-ERM-14-Form-1

    Contact

    Get in touch with DCRB for general inquiries, support, or guidance related to Delaware workers’ compensation services and resources.

  • Products

    Products

    DCRB strengthens Delaware's workers’ compensation system by delivering trusted data, actuarial expertise, and solutions that support equitable pricing and informed decision-making.
    Products
    • Classification
      image-2-1

      Classification

      DCRB’s Classification System groups businesses based on the nature of their operations to ensure fair, accurate pricing.

    • Rating Plans
      Rating-Plans-Hero

      Rating Plans

      DCRB publishes actuarially sound rating values that serve as the foundation for equitable workers’ compensation premiums.

    • Experience Modifications
      Experience-Modifications-Hero

      Experience Modifications

      Access Delaware experience rating modifications and guidance for retrieving ratings and requesting worksheets and abstracts.

    • Carrier Pricing Benchmark
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      Carrier Pricing Benchmark

      Benchmark authorized manual rates by class and compare rates by carrier using sorting options for efficient review.

    • WorkComp360 
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      WorkComp360

      Explore interactive analytics and dashboards for actionable insights into Pennsylvania and Delaware workers’ compensation markets.

    image-2-1

    Classification

    DCRB’s Classification System groups businesses based on the nature of their operations to ensure fair, accurate pricing.

    Rating-Plans-Hero

    Rating Plans

    DCRB publishes actuarially sound rating values that serve as the foundation for equitable workers’ compensation premiums.

    Experience-Modifications-Hero

    Experience Modifications

    Access Delaware experience rating modifications and guidance for retrieving ratings and requesting worksheets and abstracts.

    AdobeStock_552495850

    Carrier Pricing Benchmark

    Benchmark authorized manual rates by class and compare rates by carrier using sorting options for efficient review.

    data-rep-1

    WorkComp360

    Explore interactive analytics and dashboards for actionable insights into Pennsylvania and Delaware workers’ compensation markets.

  • Member Services

    Member Services

    Explore applications, data platforms, and system resources supporting membership management, classification and rating, data reporting, compliance oversight, quality assurance, and advanced analytics across Pennsylvania and Delaware’s workers’ compensation markets.
    Member Services
    • Membership & Account Management
      Membership
      Member Connect
      Invoice Online
    • Classification & Rating
      Classification
      Rating Values
    • Data Reporting & Market Submissions
      Data Reporting
      Premium Call
    • Compliance & Quality Assurance
      Forms
    • Data Analytics
      WorkComp360
    MembershipMember ConnectInvoice Online
    ClassificationRating Values
    Data ReportingPremium Call
    Forms
    WorkComp360
  • Research & Education

    Research & Education

    DCRB’s Research & Education resources provide trusted analysis, practical tools, and expert insight to help members navigate an evolving workers’ compensation landscape with confidence.
    Research & Education
    • Sites of Interest
      data-rep1

      Sites of Interest

      Access key workers’ compensation organizations, stakeholders, and external resources in one place.

    • Educational Videos
      data-rep2

      Educational Videos

      From DCRB specialists on data reporting and rating processes.

    • Industry Reports
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      Industry Reports

      Review DCRB research and analysis providing objective insight into trends, system performance, and emerging issues.

    data-rep1

    Sites of Interest

    Access key workers’ compensation organizations, stakeholders, and external resources in one place.

    data-rep2

    Educational Videos

    From DCRB specialists on data reporting and rating processes.

    data-rep3

    Industry Reports

    Review DCRB research and analysis providing objective insight into trends, system performance, and emerging issues.

  • Tools

    Tools

    Access DCRB tools and applications designed to support reporting, analysis, and day-to-day member workflows.
    Find Out More
    • Data & Analytics
      WorkComp360 
      Data Pro+ (via WorkComp360)
      Workers’ Compensation DataPro
    • Data Reporting
      Financial Data Manager
      Indemnity Data
      Medical Data
      Policy Data Manager
      Unit Data Manager
    • Member Services
      Member Connect
      Invoice Online
    • Underwriting
      Experience Modifications
      Experience Modification Calculator
      Carrier Pricing Benchmark
      Rating and Underwriting Reference
      WC Rating Notification
    WorkComp360 Data Pro+ (via WorkComp360)Workers’ Compensation DataPro
    Financial Data ManagerIndemnity DataMedical DataPolicy Data ManagerUnit Data Manager
    Member ConnectInvoice Online
    Experience ModificationsExperience Modification CalculatorCarrier Pricing BenchmarkRating and Underwriting ReferenceWC Rating Notification
  • News

    News

    Stay informed with the latest announcements, updates, and developments from the Delaware Compensation Rating Bureau.
    Find Out More
    • Circulars
      image-14

      Circulars

      View official circulars communicating policy changes, procedural updates, and important information for members.

    • Info Bulletins
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      Info Bulletins

      Access official bulletins covering actuarial guidance, rule updates, and important industry notices.

    • Filings
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      Filings

      Access recent filing notices, proposals, and related materials issued by the Delaware Compensation Rating Bureau.

    • News
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      General News

      Announcements and updates related to DCRB activities, initiatives, and organizational news.

    image-14

    Circulars

    View official circulars communicating policy changes, procedural updates, and important information for members.

    img

    Info Bulletins

    Access official bulletins covering actuarial guidance, rule updates, and important industry notices.

    image-7

    Filings

    Access recent filing notices, proposals, and related materials issued by the Delaware Compensation Rating Bureau.

    carr

    General News

    Announcements and updates related to DCRB activities, initiatives, and organizational news.

Delaware Compensation Rating Bureau Delaware Compensation Rating Bureau
  • About Us

    About Us

    Learn who we are, what we do, and why our work matters to Delaware's workers’ compensation system. This page provides an overview of our mission, role, and commitment to delivering trusted data, objective analysis, and essential services that support a fair and stable marketplace.
    About Us
    • Leadership
      wwd (1)

      Leadership

      Meet the executive team responsible for guiding our organization’s strategy, governance, and service to the system. This page highlights the experience, expertise, and accountability behind the decisions that shape our work on behalf of members and stakeholders.

    • Membership
      Trust

      Membership

      Understand who our members are, what membership means, and how we support insurers operating in Delaware. This page outlines eligibility, responsibilities, and how DCRB helps members meet regulatory requirements and make informed business decisions.

    • Careers
      building-skyline

      Careers

      Explore opportunities to build a meaningful career in our mission-driven organization. This page provides insight into our culture, values, and benefits, and highlights how our people contribute to data-driven insights, member service, and continuous improvement across the workers’ compensation system.

    • Contact
      Inside-the-Ownership-ERM-14-Form-1

      Contact

      Get in touch with DCRB for general inquiries, support, or guidance related to Delaware workers’ compensation services and resources.

    wwd (1)

    Leadership

    Meet the executive team responsible for guiding our organization’s strategy, governance, and service to the system. This page highlights the experience, expertise, and accountability behind the decisions that shape our work on behalf of members and stakeholders.

    Trust

    Membership

    Understand who our members are, what membership means, and how we support insurers operating in Delaware. This page outlines eligibility, responsibilities, and how DCRB helps members meet regulatory requirements and make informed business decisions.

    building-skyline

    Careers

    Explore opportunities to build a meaningful career in our mission-driven organization. This page provides insight into our culture, values, and benefits, and highlights how our people contribute to data-driven insights, member service, and continuous improvement across the workers’ compensation system.

    Inside-the-Ownership-ERM-14-Form-1

    Contact

    Get in touch with DCRB for general inquiries, support, or guidance related to Delaware workers’ compensation services and resources.

  • Products

    Products

    DCRB strengthens Delaware's workers’ compensation system by delivering trusted data, actuarial expertise, and solutions that support equitable pricing and informed decision-making.
    Products
    • Classification
      image-2-1

      Classification

      DCRB’s Classification System groups businesses based on the nature of their operations to ensure fair, accurate pricing.

    • Rating Plans
      Rating-Plans-Hero

      Rating Plans

      DCRB publishes actuarially sound rating values that serve as the foundation for equitable workers’ compensation premiums.

    • Experience Modifications
      Experience-Modifications-Hero

      Experience Modifications

      Access Delaware experience rating modifications and guidance for retrieving ratings and requesting worksheets and abstracts.

    • Carrier Pricing Benchmark
      AdobeStock_552495850

      Carrier Pricing Benchmark

      Benchmark authorized manual rates by class and compare rates by carrier using sorting options for efficient review.

    • WorkComp360 
      data-rep-1

      WorkComp360

      Explore interactive analytics and dashboards for actionable insights into Pennsylvania and Delaware workers’ compensation markets.

    image-2-1

    Classification

    DCRB’s Classification System groups businesses based on the nature of their operations to ensure fair, accurate pricing.

    Rating-Plans-Hero

    Rating Plans

    DCRB publishes actuarially sound rating values that serve as the foundation for equitable workers’ compensation premiums.

    Experience-Modifications-Hero

    Experience Modifications

    Access Delaware experience rating modifications and guidance for retrieving ratings and requesting worksheets and abstracts.

    AdobeStock_552495850

    Carrier Pricing Benchmark

    Benchmark authorized manual rates by class and compare rates by carrier using sorting options for efficient review.

    data-rep-1

    WorkComp360

    Explore interactive analytics and dashboards for actionable insights into Pennsylvania and Delaware workers’ compensation markets.

  • Member Services

    Member Services

    Explore applications, data platforms, and system resources supporting membership management, classification and rating, data reporting, compliance oversight, quality assurance, and advanced analytics across Pennsylvania and Delaware’s workers’ compensation markets.
    Member Services
    • Membership & Account Management
      Membership
      Member Connect
      Invoice Online
    • Classification & Rating
      Classification
      Rating Values
    • Data Reporting & Market Submissions
      Data Reporting
      Premium Call
    • Compliance & Quality Assurance
      Forms
    • Data Analytics
      WorkComp360
    MembershipMember ConnectInvoice Online
    ClassificationRating Values
    Data ReportingPremium Call
    Forms
    WorkComp360
  • Research & Education

    Research & Education

    DCRB’s Research & Education resources provide trusted analysis, practical tools, and expert insight to help members navigate an evolving workers’ compensation landscape with confidence.
    Research & Education
    • Sites of Interest
      data-rep1

      Sites of Interest

      Access key workers’ compensation organizations, stakeholders, and external resources in one place.

    • Educational Videos
      data-rep2

      Educational Videos

      From DCRB specialists on data reporting and rating processes.

    • Industry Reports
      data-rep3

      Industry Reports

      Review DCRB research and analysis providing objective insight into trends, system performance, and emerging issues.

    data-rep1

    Sites of Interest

    Access key workers’ compensation organizations, stakeholders, and external resources in one place.

    data-rep2

    Educational Videos

    From DCRB specialists on data reporting and rating processes.

    data-rep3

    Industry Reports

    Review DCRB research and analysis providing objective insight into trends, system performance, and emerging issues.

  • Tools

    Tools

    Access DCRB tools and applications designed to support reporting, analysis, and day-to-day member workflows.
    Find Out More
    • Data & Analytics
      WorkComp360 
      Data Pro+ (via WorkComp360)
      Workers’ Compensation DataPro
    • Data Reporting
      Financial Data Manager
      Indemnity Data
      Medical Data
      Policy Data Manager
      Unit Data Manager
    • Member Services
      Member Connect
      Invoice Online
    • Underwriting
      Experience Modifications
      Experience Modification Calculator
      Carrier Pricing Benchmark
      Rating and Underwriting Reference
      WC Rating Notification
    WorkComp360 Data Pro+ (via WorkComp360)Workers’ Compensation DataPro
    Financial Data ManagerIndemnity DataMedical DataPolicy Data ManagerUnit Data Manager
    Member ConnectInvoice Online
    Experience ModificationsExperience Modification CalculatorCarrier Pricing BenchmarkRating and Underwriting ReferenceWC Rating Notification
  • News

    News

    Stay informed with the latest announcements, updates, and developments from the Delaware Compensation Rating Bureau.
    Find Out More
    • Circulars
      image-14

      Circulars

      View official circulars communicating policy changes, procedural updates, and important information for members.

    • Info Bulletins
      img

      Info Bulletins

      Access official bulletins covering actuarial guidance, rule updates, and important industry notices.

    • Filings
      image-7

      Filings

      Access recent filing notices, proposals, and related materials issued by the Delaware Compensation Rating Bureau.

    • News
      carr

      General News

      Announcements and updates related to DCRB activities, initiatives, and organizational news.

    image-14

    Circulars

    View official circulars communicating policy changes, procedural updates, and important information for members.

    img

    Info Bulletins

    Access official bulletins covering actuarial guidance, rule updates, and important industry notices.

    image-7

    Filings

    Access recent filing notices, proposals, and related materials issued by the Delaware Compensation Rating Bureau.

    carr

    General News

    Announcements and updates related to DCRB activities, initiatives, and organizational news.

  • Forms
  • Circulars
  • Filings
  • Manuals
  • Application Manager
  • PCRB
  • Digital Library Overview
  • Indemnity Data Call Manual
    • Table of Contents
    • Introduction
    • Section I - General Rules
    • Section II - Indemnity Data Call Structure
    • Section III - Record Layouts
    • Section IV - Data Dictionary
    • Section V – Reporting Rules
    • Section VI – Editing and Other Validation Procedures
    • Section VII - Appendix
  • Medical Data Call Manual
    • Table of Contents
    • Disclaimers
    • Introduction
    • Section I – General Rules
    • Section II - Medical Data Call Structure
    • Section III - Record Layouts
    • Section IV - Data Dictionary
    • Section V - Reporting Rules
    • Section VI - Editing and Other Validation Procedures
    • Section VII - Glossary
    • Section VIII - Appendix
  • Basic Manual
    • Table of Contents
    • Preface
    • DCRB Membership List
    • Section 1 - Underwriting Rules
      • Rule I – GENERAL
      • RULE II – EXPLANATION OF COVERAGES AND METHODS OF INSURING
      • RULE III – POLICY PREPARATION – INSURED, POLICY PERIOD AND STATE OF OPERATIONS
      • RULE IV – CLASSIFICATIONS
      • RULE V - PREMIUM BASIS
      • RULE VI – RATING VALUES AND PREMIUM DETERMINATION
      • RULE VII – PREMIUM DISCOUNT
      • RULE VIII – LIMITS OF LIABILITY
      • RULE IX – SPECIAL CONDITIONS OR OPERATIONS AFFECTING COVERAGE AND PREMIUM
      • RULE X - CANCELLATION
      • RULE XI – THREE YEAR FIXED RATE POLICY OPTION
      • RULE XII – U.S LONGSHORE AND HARBOR WORKERS’ COMPENSATION ACT
      • RULE XIII – THE ADMIRALITY LAW AND THE FEDERAL EMPLOYERS LIABILITY ACT
      • RULE XIV – DOMESTIC WORKERS - RESIDENCIES
      • RULE XV – FINAL EARNED PREMIUM DETERMINATION
      • RULE XVI – APPEALS FROM APPLICATION OF THE RATING SYSTEM PROCEDURE
      • RULE XVII – MEMBER CARRIER DISPUTES (DISPUTE RESOLUTION CONFERENCE)
    • Section 2 – Classifications and DCRB Rating Values
      • DCRB Rating Values
      • Definitions
      • Classifications
      • General Auditing and Classification Information
    • Section 3 - Endorsements
    • Section 4 - Retrospective Rating Plan
    • Section 5 - Experience Rating Plan
      • SECTION I – INSTRUCTIONS
      • SECTION II - DEFINITIONS
      • SECTION III – GENERAL PROVISIONS
      • SECTION IV APPLICATION OF EXPERIENCE MODIFICATION
      • SECTION VI RATING PROCEDURE
      • SECTION V TABULATION OF EXPERIENCE
      • Table B
    • Section 6 - Merit Rating Plan
      • Section I Instructions
      • SECTION II – DEFINITIONS
      • SECTION III – GENERAL PROVISIONS
      • SECTION IV APPLICATION OF MERIT RATING PLAN ADJUSTMENT
      • SECTION V TABULATION OF EXPERIENCE
      • SECTION VI MERIT RATING PLAN PROCEDURE
  • Statistical Plan Manual
    • Table of Contents
    • Introduction
    • Section I - General Rules/Definitions
    • Section II - Reporting Requirements
    • Section III - Individual Case Reports
    • Section IV - Codes
    • Section IX - Electronic Submission
    • Section V - Tables
    • Section VI - Examples
    • Section VII - Glossary of Terms
    • Section VIII - Sample Forms
    • Section X - Premium Algorithm
  • Manual Archive
    • Table of Contents
    • Indemnity Data Call Manual
    • Statistical Plan
    • Basic Manual
    • Medical Data Call Manual

Indemnity Data Call Manual - Table of Contents

  • Introduction
    • A. Overview
    • B. Purpose of Indemnity Data Call
    • C. Indemnity Data Call Contact Information
  • Section I - General Rules
    • A. Scope and Effective Date
    • B. General
    • C. Participation / Eligibility
    • D. Reporting Frequency
    • E. Data Submission Procedures
    • F. Insurer User Management Group (UMG) Primary Administrator Application
    • G. Business Exclusion Options
  • Section II - Indemnity Data Call Structure
    • A. Record Descriptions
    • B. Key Fields and Processing Data Elements (Transactional and Quarterly)
    • C. Submission Types
  • Section III - Record Layouts
    • A. Overview
    • B. File Control Record Layout
    • C. Transactional Record Layout
    • D. Quarterly Record Layout
    • E. Key Field Change Record Layout
  • Section IV - Data Dictionary
    • A. Overview
    • B. Data Dictionary
  • Section V – Reporting Rules
    • A. File Control Records
    • B. Transactional Records
    • C. Quarterly Records
  • Section VI – Editing and Other Validation Procedures
    • A. Editing Process
    • B. File Acceptance
    • C. Record Acceptance
    • D. Quality Tracking
    • E. Quarter-End Validation
    • F. Indemnity Data Call Edit Matrix
  • Section VII - Appendix
    • A. Overview
    • B. Business Exclusion Request Form Example
    • C. Premium Verification Worksheet and Instructions
    • D. Compensation Data Exchange (CDX) Information
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