该信托基金的受托人委员会每年评估损失预测，以确保保险费率充分设定，以应对明尼苏达州各城市未来发生的索赔. 以下是将于11月11日或之后生效的财产险/意外险保费资料. 15, 2021, and for workers’ compensation coverages renewing on or after Jan. 1, 2022.

财产/casualty rates

What does property/casualty coverage include?

The Trust’s coverage is tailored specifically for Minnesota cities, and it’s generally broader than commercial policies. It includes coverage for things like loss or damage to city buildings, 因涉及市政工作人员或民选官员的行动或事件而引起的责任索赔, 土地使用, 下水道 back-up liability, auto liability and auto physical damage, and cyber-related claims.

How does the Trust set rates?

Rates are set at a level to generate enough premium to cover 1) projected administrative expenses for the program; 2) expected claim costs for the year based on actuaries’ calculations; and 3) a contingency margin to protect the Trust and its members from the possibility that losses will be higher than expected.

What do property/casualty rates look like for 2022?

财产/casualty rates will decrease by an average rate of 1.2022年的5%. 然而, each member will be impacted differently, 由于以下原因，一些会员会看到较高的利率增长，而另一些则会看到较低的利率增长或下降(会员和代理商可以联系他们的承销商了解有关会员的详细信息).

财产 rates will decrease 7% on average, 但是，针对特定的建筑类型(见下面的“其他变量”)，整体费率已经进行了调整，以便与特定建筑类型存在的风险相匹配. 这意味着某些建筑类型的租金将会增加，而其他类型的租金将会减少. 每个成员的实际利率变动将取决于其特定的保险资产组合.

房价上涨幅度最大的房地产类型包括市政厅等普通市政建筑, 消防局, community centers, police stations, 和水, 下水道, and electric utility property; while biggest decreases include park property and property in the open (property in the open is items like benches, 野餐桌, 雕像, 操场, sports apparatus, 等.).  具有与整个程序相匹配的属性组合的成员不会受到太大的影响, as increases and decreases for property types will largely offset each other.

其他变化:

  • There will be a new premium charge for first-party cyber coverage. 值得注意的是，我们以前通过房地产保费暗中为第一方的网络保险成本提供资金, 我们能够如此大幅度地降低物业费率的部分原因是我们不再通过物业保费来为第一方的网络保险成本提供资金.
  • Land use litigation and 下水道 backup rates will decrease 3%.
  • Excess liability rates will increase 9%.

What about other variables?

会员应注意保费会受其他个别因素影响，例如开支变动, 属性值, 工资, experience ratings, 和其他人. 有关您的具体费率问题，请联系信托的承销专家.

Workers’ compensation rates

What is workers’ compensation coverage?

工人补偿为那些在工作过程和工作范围中有雇员受伤的成员提供保险.

What are the rate changes for 2022?

As was the case last year, 公共安全创伤后应激障碍(PTSD)索赔具有重大的成本影响, resulting in an average rate increase of 10% for the coming year.

另外, the Trust will make job class rate relativity adjustments, 这意味着某些职业类别的税率将会上升，而其他职业类别的税率将会下降. 个人会员的保费将根据不同职业类别的薪资组合而受到不同的影响.

Here’s a look at the specific rate changes by job class:

 

2022 LMCIT rate changes by job class.

Members and agents can contact their underwriter for member-specific details.

What about other variables?

工人补偿计划的个人保费也将受到其他因素的影响，如会员支出的变化, 非农就业人数, experience rating, and other exposure measures.

What role does PTSD play in workers’ compensation rate increases?

Since PTSD claims first became compensable in 2013, 它们已经上升到目前预计将占到该基金会每年工人索赔成本的37%左右, with most of that arising from police claims. 创伤后应激障碍(PTSD)的大部分费用可归因于补偿那些在诊断后没有返回工作岗位的员工的工资损失.

What is the Trust doing to address PTSD costs?

The Trust understands pressures on city budgets faced with rising premium rates. 该信托基金及其成员与公共安全专业组织一起发挥了领导作用, other local government insurance pools across the country, 以及其他重要的利益相关者——以解决与创伤后应激障碍相关的工人补偿成本.

The Trust’s PTSD specialist, 在2020年被雇佣的, 继续与信托基金工作人员和外部利益攸关方合作，与各成员城市开展外联和教育工作，努力在公共安全人员中促进创伤后应激障碍的预防和治疗.  在过去的一年中, 利益相关方成立了一个责任残疾小组，与明尼苏达城市联盟正规的网络购彩网站间关系团队合作，确定并寻求一个可行的州立法解决方案，该方案将涉及创伤后应激障碍资金解决方案，而不与州的工人补偿制度挂钩. 该基金会还计划在2022年开展一项强有力的公共信息宣传活动，强调急救人员的创伤后应激障碍是可以治疗的，不需要使人永久性地衰弱.

What can members do?

In addition to the financial burden posed on the workers’ compensation system, PTSD has a dramatic impact on law enforcement staffing, departmental morale, and the well-being of affected employees and their families, 朋友, 和社区. For tips on preventing, 认识到, 承认你所在城市的执法部门和急救社区存在创伤后应激障碍, please visit the Trust’s PTSD and Mental Health Toolkit.

基金会开发了这一正规的网络购彩网站，以帮助我们的成员解决创伤后应激障碍和一般心理健康问题. It also addresses topics such as suicide prevention, creating a supportive environment, PTSD treatability, 和更多的. 该工具包还包括一个媒体室，用于分享公共安全社区与创伤后应激障碍和心理健康有关的故事和观点. 理解和实施这些正规的网络购彩网站中描述的行动步骤可以在减轻昂贵的创伤后应激障碍索赔中发挥重要作用. 更重要的是，它将帮助受伤的员工恢复完整和健康的生活.