Workers’ Compensation Cost Summary

Pure premium

Medical costs and benefits for lost wages. Excludes insurer expenses and profit.

Average 3.3 percent decrease from 2025.

• 2025: 3.2 percent decrease
• 2024: 6.7 percent decrease
• 2023: 3.2 percent decrease
• 2022: 5.8 percent decrease
• 2021: 5.6 percent decrease

Premium assessment

State regulatory costs to administer workers’ compensation and workplace safety programs.

• 9.8 percent of premiums for insured employers.

This amount is unchanged from 2025, 2024, 2023, and 2022. The rate was increased by 0.4 percentage point in 2022 and 1.0 percentage point in 2021.

Self-insured employer and self-insured employer group premium assessment

Self-insured employers and self-insured employer groups pay the premium assessment, plus an additional amount to fund reserves that ensure prompt payment of claims in the event of insolvencies.

• 0.1 percent for self-insured employers.
• 0.1 percent for public-sector self-insured groups.
• 0.5 percent for private-sector self-insured employer groups.

These amounts are unchanged from 2025.

Workers’ Benefit Fund (Payroll assessment)

Special benefits for certain injured workers and their families, and return-to-work programs.

1.8 cents per hour worked. Employers and employees split the cost.

The rate was 2.0 cents per hour in 2025 and 2024.