Like your incidence rate, which is based on how many incidents per year per 100 employees, your DART rate shows your company's performance in workplace safety.

For the 9.5% affordability test, use the Box 1 total on the individual’s W-2, but does that Box 1 include FSA contributions made by the employee?

The process of calculating the experience modification factor is complex, but the underlying theory and purpose of the formula is straightforward.

With the impending hurricane season upon us, get a better understanding of how to protect your business, community, and people in case of a natural disaster.

Your workers’ compensation insurance premium is based on payroll, averages for your industry and claims experienced over a three-year period.

A mod factor greater than 1.0 is a debit mod, which means that your losses are worse than expected and a surcharge will be added to your premium.

Workers’ compensation is designed to recompense employees for injuries/illnesses they suffer while on the job. More claims drive up workers’ compensation costs.

A person is not eligible for a subsidy if they are eligible for coverage through an employer and this meets the coverage and affordability requirements.

A mod factor greater than 1.0 is a debit mod, which means that your losses are worse than expected and a surcharge will be added to your premium.

In 2015 the “no offer” penalty will apply if an employer does not offer coverage to at least 70% of full-time employees and their dependents.

What if something went wrong in your business? Do you know what needs to happen in case of an emergency? You need to ask yourself this as a business owner.

To calculate the DART rate, you need to find out the total number of injuries that required at least one day away from work or restricted or transferred work.