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 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.

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

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.

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:

• Statement of Intent
• $500 deposit check
• New Member Probation
• Statement of Financial Solvency from bank

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.