How United Heartland Impacts Experience Mods

Our Approach to Workers’ Compensation Delivers Savings


A 2018 study found accounts that came to United Heartland with an experience mod factor (EMF) of 1.25 or greater, and stayed for four or more years, obtained an average experience mod savings of 29.3% due to EMF improvement. *

Through our comprehensive, results-oriented approach, we’re able to deliver responsive and valued solutions directed toward:

  • Sustainable safety improvements to reduce and eliminate injuries
  • Innovative claims management centered on quality outcomes and effective expense management
  • An aggressive and comprehensive return-to-work approach

 Risk Type Change
Long-term Care -26.5%
Health Care -32.6%
Manufacturing -32.3%
Hotel/Restaurant -49.9%
Education -16.9%
Wholesale/Retail -29.3%
Social Services -17.6%
All Other -31.0%
Total -29.3%

By working collaboratively with our customers and agents, we are able to provide workers’ compensation solutions that lower the cost of risk and result in high satisfaction for customers throughout the industries we serve.

See how these collaborative efforts have led to significant potential savings for accounts.

Experience Modification Factor Improvement by Segment

LONG-TERM CARE
Initial Manual Premium Year 1 EMF Most Recent EMF EMF Difference Estimated
Annual Savings
$91,211 1.56 0.69 -0.87 $50,868
$66,413 1.38 0.70 -0.68 $32,725
$138,438 1.65 0.98 -0.67 $56,214
$164,052 1.35 0.70 -0.65 $78,988
$313,282 1.30 0.68 -0.62 $149,411
HEALTH CARE
Initial Manual Premium Year 1 EMF Most Recent EMF EMF Difference Estimated
Annual Savings
$281,550 1.67 0.63 -1.04 $175,337
$136,515 1.70 0.70 -1.00 $80,303
$273,326 1.74 0.97 -0.77 $120,955
$173,204 1.60 0.85 -0.75 $81,189
$120,955 1.55 0.80 -0.75 $58,527
SOCIAL SERVICES
Initial Manual Premium Year 1 EMF Most Recent EMF EMF Difference Estimated
Annual Savings
$217,717 3.12 0.62 -2.50 $174,453
$112,340 1.82 0.83 -0.99 $61,108
$83,651 1.43 0.72 -0.71 $41,533
$113,709 1.36 0.61 -0.75 $62,707
$83,651 1.43 0.72 -0.71 $41,533
MANUFACTURING
Initial Manual Premium Year 1 EMF Most Recent EMF EMF Difference Estimated
Annual Savings
$116,639 1.89 1.00 -0.89 $54,925
$114,021 1.48 0.73 -0.75 $57,781
$190,746 1.47 0.81 -0.66 $85,641
$86,513 1.51 0.91 -0.60 $34,376
$157,393 1.41 0.82 -0.59 $65,859
OTHER (hospitality, wholesale/retail, education and others)  
Initial Manual Premium Year 1
EMF
Most Recent EMF EMF Difference Estimated
Annual Savings
$104,699 1.45 0.77 -0.68 $49,100
$2,270,440 1.44 0.79 -0.65 $1,024,851
$125,961 1.55 0.92 -0.63 $51,197
$204,049 1.32 0.75 -0.57 $88,112
$333,730 1.41 0.85 -0.56 $133,492


*Based on United Heartland policies written since 2010. Savings calculated based on change from initial experience mod written with UH versus most recent experience mod with UH, no other premium factors considered.