Sometimes we want to know how a state is doing relative to others with regard to the cost of workers insurance, the efficiency of the insurance system and the adequacy of benefits.

Each year, Actuarial & Technical Solutions, Inc. publishes a ranking of the cost of workers' comp insurance by state. It ranks all states except those with monopolistic state funds.

Actuarial Solutions gives to each state a specific ratio to the average of these 45 states. For example, Wisconsin's costs are 82.8% of the average, or 17.2% below average. The table ranks states by the cost of insuring the same hypothetical manufacturing employer. The actuaries create a basket of manufacturing class codes based on the distribution of manufacturing jobs in the entire country.
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Evidence - When Film is Not an Option

We have discussed in past columns the use of film and still photographs to document the employment activities of an applicant. But what does an investigator do when the person is self-employed, working out of their residence, or working with no fixed schedule or routine?

In situations like this the investigator must turn to other forms of evidence collection in order to document the applicant's wage-earning capacity.
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