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Residual Market Load Estimator

Interactive Residual Market Burden Estimator

The above link opens an interactive Excel spreadsheet that outputs an estimated Massachusetts Workers’ Compensation residual market load.

To run the spreadsheet, you must enter the Policy Year, the Residual Market Loss Ratio, the VDAC Factor, and the Interest Rate.

  • Enter a Policy Year between 2014 and 2023.
  • The program provides NCCI’s most current Residual Market Loss Ratio estimate for the Policy Year you entered. You can type in the Loss Ratio provided, or you can enter an estimated Loss Ratio.
  • The program also provides the most current Leveraging Factor estimate and the VDAC Factor upon which it is based. (The Leveraging Factor equals the VDAC Factor multiplied by the ratio of Servicing Carrier Written Premium to Voluntary Assessable Premium.) This function is useful because it allows the user to estimate the VDAC Factor for the year(s) for which the final VDAC Reapportionment has not yet been performed. You can type in the VDAC Factor provided, or you can enter an estimated VDAC Factor.
  • The program calculates a nominal burden or a discounted burden. To get the nominal burden, enter an interest rate of 0%. For a discounted burden, enter your choice of interest rates (between 1% and 12%).

Since this interactive does not utilize macros, you will not have to update your security settings.

To assist in your selection of a Loss Ratio, refer to the Pool Loss Ratio Indications and Selections from the Agenda of the latest Massachusetts Workers Compensation Assigned Risk Pool Reserving Committee Meeting. For additional resources, refer to the WCRIB’s latest Updated Information on Residual Market Share Special Bulletin or the latest Voluntary Assessable Premiums Special Bulletin found in the Special Bulletins pages of the web site.


Assigned Risk Pool Plan of Operation

Coverages Available

Depopulation Reports

MA Take-Out Credit Program

Pool Data

Residual Market Load Estimator

Servicing Carriers

VDAC Carriers

Voluntary Direct Assignment (VDAC) Program

The Workers' Compensation Rating and Inspection Bureau of Massachusetts
101 Arch Street, 5th Floor
Boston, MA 02110