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How do I find out my EMR?

Not sure what your current EMR is? You can find it in two places: On the Declarations page of your companys workers compensation policy or by contacting your dedicated insurance agent.

What is the EMR letter from insurance?

One key document that connects EMR data to insurance determinations is known as the EMR letter. Commonly referred to as an E-Mod letter or verification letter, it provides insurance carriers with a summary of a clients or employees claims history pulled directly from their EMR.

What does EMR stand for in insurance?

Insurance companies translate the experience modifier into a number, or an experience modification rate (EMR). This number is based on your companys historical cost of injuries and future risk chances. A companys EMR is then compared to the average losses of other employers in your state in the same industry.

Where do I get an EMR letter?

If your company has already been experience rated, then you can contact your insurance agent for a copy of your current EMR Letter. If you are not familiar with EMRs then chances are you have not been rated yet.