Merit Rating Plan

Recognizing favorable loss performance for smaller risks

The Merit Rating Plan offers a simplified, prospective premium adjustment for qualifying employers whose size or experience does not meet Experience Rating thresholds. It provides a structured way to recognize favorable loss performance while maintaining uniform application across the marketplace. 

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PCRB administers merit rating values in accordance with established rules, ensuring predictable outcomes and systemwide consistency. For carriers, this supports appropriate pricing for smaller risks; for employers, it offers an accessible incentive to maintain strong safety performance within a transparent framework. 

Information regarding the Merit Rating Plan and its provisions can be found in Section 6 (Merit Rating Plan) of the Pennsylvania Basic Manual