Experience Rate - The rate if a case is fully credible (100% credible), IBNR - Claims that have been incurred but not yet reported, Incurred Claims - Paid Claims + Reserves, Formula Rate - System generated rate without UW adjustments, Needed Rate - The rate the UW believes is required for the group, given the info provided, Claim Rate - Rate that does NOT cover expenses, Retention - Portion of premium which covers expenses and profit, not claim costs, Life Years - #Insured Lives X #Years Insured,

Experience Rating Terms

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