Danville (800) 252-5059 | Lisle (800) 628-5618

Membership

 

WCTI members have access to high quality, reliable, and affordable Workers Compensation coverage, as well as “hands on” extensive safety services.

Member Eligibility

Members must be a light to medium risk manufacturing facility located in the state of Illinois. WCTI is committed to adding members with solid safety programs.

Member Commitment

WCTI members commit to these expectations:

  • Report all claims to CCMSI, preferably within 24 hours, but no later than five days.
  • Pay all WCTI invoices in a timely fashion.
  • Participate in the Member Safety Audit Program. MSAP is a structured plan that will help create an improved performance in our members’ safety programs.
  • Conduct pre-employment drug and alcohol testing and post-accident testing when there is a reasonable possibility that the employee’s drug use could have contributed to the reported injury or illness.
  • Maintain a positive management safety commitment.
  • Participate in all scheduled loss control visits (members receive a minimum of quarterly visits).
  • Maintain group health insurance.
  • Make no in-house payment of medical bills related to work injury.
Eligibility Requirements

WCTI’s minimum premium requirement is $30,000 in standard premium.

Eligible risks must meet the following criteria:

  • The following 3-year trended expected loss (TEL) ratio is required:
    • $30,000–$50,000 in standard premium, TEL less than 40%
    • $51,000–$100,000 in standard premium, TEL less than 45%
    • Over $100,000 in standard premium, less than 50%
  • Light to medium risk manufacturing and related industries
  • Illinois domiciled company
  • Minimal occupational disease exposure
  • Limited chemical exposure
  • No hazardous material handling
  • Group health insurance coverage required
Submission Requirements

The following information is needed in order to provide a proposal:

  • Completed work comp ACORD application.
  • Current year and prior year NCCI experience mod worksheet.
  • Premium history for current year.
  • Loss runs for 5 years, valued within 6 months of the proposed effective date.
  • Details on losses valued $25,000 or more in the last 5 years.
  • Narrative describing operations/locations and current safety program.
  • Description of how raw products are received and finished products are delivered.

Submissions can be sent directly to Angie Blakeney.

Underwriting Information

Once the prospect has completed the underwriting qualification, a proposal will be generated. Upon the prospect’s acceptance of the proposal, the following need to be completed two weeks prior to the effective date:

Once the above information is received, an extensive loss control survey will be conducted followed by a Trustee conference call for a final decision on admittance.

Member Companies

  • 0 – 50 Employees 33%
  • 51 – 150 Employees 48%
  • 151 – 250 Employees 16%
  • Over 250 Employees 3%

Employees Covered

Average Mod

  • New Members in 2017 & 2018 5%
  • Members for 2 to 5 Years 35%
  • Members for 5 to 10 Years 18%
  • Members for Over 10 Years 43%

Top 10 Classes of Businesses (by total payroll)

Precision Parts Manufacturing    •    Sheet Metal Manufacturing   •    Plastics Manufacturing   •    Screw Manufacturing   •   Tool Manufacturing   •   Machine Shop   •    Hardware Manufacturing   •    Gear Manufacturing   •    Metal Stamped Goods Manufacturing   •    Box Manufacturing

$15,826,539

Total Group Standard Premium

$123,645

Average Member Standard Premium

$681,289,300

Total Group Payroll

$5,322,573

Average Member Payroll

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