康涅狄格州工伤赔偿成本连续第 12 年下降：保险部批准 2027 年 1 月 1 日生效，自愿市场损失成本平均降 4.9%
美国康涅狄格州企业的工伤赔偿成本将连续第 12 年下降。州参议员凯茜·奥斯滕（Cathy Osten）11 月 13
日发布声明，欢迎这一消息，并将其归因于她在 2014 年提出并推动通过的法律改革。
康涅狄格州保险部已批准一份 2027 年 1 月 1 日生效的年度费率申报。自愿市场的损失成本平均下降 4.9%，指派风险市场的费率平均下降 5.8%。
声明解释，自愿市场损失成本反映的是赔付工伤索赔及相关损失调整费用的预期成本，保险公司在此基础上加上各自获批的费用等因素，确定向雇主收取的保费。指派风险费率适用于无法在自愿市场获得工伤赔偿保险的雇主。
2014 年的参议院第 61 号法案改变了该州企业支付工伤赔偿的方式，涉及医院与门诊手术中心服务的工伤赔偿与责任规则。该法案在公开听证时得到商界团体赞扬，并遭到医院方面反对。
奥斯滕是斯普拉格选区的民主党州参议员。新费率自 2027 年 1 月 1
日起适用于相应的工伤赔偿保险安排，降幅为全州平均口径，各雇主的实际保费仍取决于保险公司的定价与自身情况。
Connecticut Workers Compensation Costs Drop for 12th Straight
Year: Insurance Department Approves Filing Effective January 1, 2027,
With Voluntary Loss Costs Down 4.9% on Average
Workers compensation costs for Connecticut businesses will drop again,
for the 12th straight year. State Senator Cathy Osten welcomed the
news in a statement on November 13, crediting a business-friendly
change in the law that she proposed and led to passage in 2014.
The Connecticut Insurance Department has approved an annual filing
effective January 1, 2027, that reduces voluntary market loss costs by
an average of 4.9% and reduces assigned risk rates by an average of
5.8%.
Voluntary market loss costs reflect the expected cost of paying
workers compensation claims and related loss adjustment expenses.
Insurers use those costs, along with their own approved expenses and
other factors, to determine the premiums charged to employers, while
assigned risk rates apply to employers who are unable to obtain
workers compensation coverage in the voluntary market.
The 2014 law, Senate Bill 61, concerning workers compensation and
liability for hospital and ambulatory surgical center services,
changed the way Connecticut businesses pay for workers compensation.
The bill was praised at its public hearing by business groups and
opposed by hospitals.
Osten is a Democratic state senator from Sprague. The approved
reductions are statewide averages taking effect January 1, 2027, and
each employer's actual premium still depends on its insurer's pricing
and its own circumstances.
来源：康涅狄格州保险部
发布：GSM·美国（发布链接）
图片来源：图：康涅狄格州议会大厦，位于哈特福德。MMDA-Photos 摄，CC BY-SA 4.0，经 Wikimedia Commons。 / Photo: The Connecticut State Capitol in Hartford. Photo by MMDA-Photos, CC BY-SA 4.0, via Wikimedia Commons.
GSM Global · 本篇英文版 English edition of this story
