EMR Impact Calculator

Model workers’ comp premium changes from EMR inputs. Track base, modifiers, and schedule effects easily. Plan safety investments and forecast payback across years smartly.

Calculator Inputs

$
Example: 1200000
$
Example: 6.25
Common range: 0.70 to 1.50
Use your improvement goal.
%
Example: -5 for credit, +10 for debit.
%
Optional overall factor beyond schedule.
$
Often a flat charge from your jurisdiction.
Used for monthly impact only.

Example Data Table

Payroll Rate per $100 Current EMR Target EMR Schedule Mod Other Mods Expense Constant Current Premium Target Premium Annual Change
$1,200,000 $6.25 1.20 0.95 -5% +0% $250 $85,750.00 $67,062.50 $18,687.50
$600,000 $3.80 0.88 1.05 +7% -2% $250 $23,547.84 $28,039.10 -$4,491.26
Examples are illustrative and may not match your local rules.

Formula Used

Base Premium = (Payroll ÷ 100) × Rate

Modifier Factor = (1 + ScheduleMod%) × (1 + OtherMods%)

Estimated Premium = (Base Premium × Modifier Factor × EMR) + Expense Constant

EMR reflects loss experience versus expected loss levels. This tool estimates how premium changes with EMR and modifiers.

How to Use This Calculator

  1. Enter your annual payroll and rate per $100.
  2. Input current EMR and the target EMR goal.
  3. Add schedule and other modifier percentages.
  4. Enter the expense constant if it applies.
  5. Press calculate and review savings, table, and chart.
For planning, try several targets to compare payback.

Related Calculators

Workers comp calculatorWorkers comp class calculatorWorkers comp base calculatorWorkers comp audit calculatorDeposit premium calculatorInstallment payment calculatorMinimum premium calculatorOvertime impact calculatorSubcontractor cost calculatorOwner inclusion calculator

Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.