On March 5, 2025, the actuary presented his recommendations to the WCT Board for the 2025 rebate. The board voted unanimously in favor of the actuary’s recommendation to return $1.734 million to the members. Money has been returned from fund years 2019-23. Rebates for 2025 were hand-delivered or mailed in mid-May.

The NHADA WCT Board and staff recognize how important rebates are to our members. Members must continually focus on proven loss prevention and claims management practices to reduce claims costs and increase rebates. It is shortsighted to stop adhering to these basic principles to save money on a daily basis. Failure to adhere to these principles will result in increased claims costs, resulting in increased premiums and decreased rebates. The following are proven best practices to achieve the highest rebate possible:

• Provide a safe workplace.
• Have regular Safety Committee meetings.
• Implement Safety Committee recommendations.
• Train new hires focusing on safety. Utilize the NHADA platform, Learn Upon.
• Inform new hires about Workers’ Compensation Managed Care.
• Document new hires’ pre-existing condition(s) on the Second Injury Fund form.
• Take your time during the hiring process to hire the best person for the job and be sure to train all new hires before they begin work.
• Perform pre-placement drug testing and do not hire applicants who fail the test.
• Do not allow new hires to work until the drug test results are received.
• Call NHADA immediately after an injury occurs to obtain assistance from our nurse case manager with a Comp MC network referral.
• Promptly file the Employer’s First Report of Injury. The First Report is now available on our website to submit to us electronically. There is no need to send it to the New Hampshire Department of Labor, as we upload the claims information to them.
• Communicate any concerns you or your staff have about the claim.
• Provide temporary alternate duty.

Temporary alternate duty remains the single most effective way to control workers’ compensation claims costs. Please remember that medical-only claims are discounted 70% when the experience modification factor is calculated.

In December, the claims staff reviewed all open claims to ensure that the reserves on those claims are as accurate as possible. The total incurred costs on all claims, prior to Jan. 1, 2024, valued as of Dec. 31, were used to calculate the rebate. In January, the actuary for the NHADA Workers’ Compensation Trust reviewed the claims data to determine the amount of money available to return to WCT Members in the form of a rebate.

The rebate is calculated initially Trust-wide by the actuary. Administrative expenses and total incurred claims costs are subtracted from the total available premium to determine the available balance. The available balance by member is determined in the same manner, then multiplied by the individual member’s pro rata share of the total eligible balance, and previous returned rebates are deducted, yielding the current balance per individual member. The individual member’s rebate is based on the performance of the Trust for the years of return, and more importantly, the individual member’s performance for the same years. The return of premium for a particular fund year will be paid out over the course of several subsequent years.

Rebates will be reduced by any outstanding premium due to the WCT. In addition, rebates will be reduced by any balance owed to NHADA affiliate groups at the time the rebate is distributed.

Please allow the NHADA Workers’ Compensation Trust claims staff to assist you with your claims issues. Contact us when a claim arises, and we will successfully manage it together to control costs and increase your rebate.