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New Hampshire Approves 5.6% Workers' Compensation Loss Cost Decrease for 2025

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New Hampshire Approves 5.6% Workers' Compensation Loss Cost Decrease for 2025


The New Hampshire Insurance Department (NHID) reports that it has approved a workers’ compensation rate proposal that will reduce voluntary loss costs by 5.6% on average.

The new lower rates will apply to voluntary market policies effective on or after January 1, 2025.

The market has now experienced loss cost decreases for 13 consecutive years, with a cumulative reduction exceeding 65% over this period. The state’s voluntary loss costs went down 14% on average in 2024, down 7% in 2023, and for 2022, they were down 8%.

Loss costs are the portion of an employer’s insurance premium dedicated to covering claims costs. Insurers are required to use the new loss costs and are then permitted to adjust it for their own company expenses.

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The rate proposal for 2025 was filed on July 31 by the National Council on Compensation Insurance (NCCI), the advisory agent that prepares workers’ compensation rate filings for New Hampshire and many other states.

The filing is based on premium and loss experience as of year-end 2023 from policy years 2020, 2021, and 2022 and shows improved experienced relative to the data underlying the filing effective January 1, 2024. According to NCCI, all three years showed similarly favorable experience. The state’s lost-time claim frequency has continued to decline. Indemnity and medical severity both increased slightly after steep declines during the COVID-19 pandemic but despite the slight increase in severity, loss ratios continue to decrease.

“We’re seeing real benefits for businesses and workers alike as the cost of workers’ compensation continues to drop,” said New Hampshire Insurance Commissioner DJ Bettencourt. “The workers’ compensation market in New Hampshire remains robust, offering business owners a wide array of options when selecting coverage.”

The workers’ compensation market across the country remains healthy, according to NCCI. The industry’s calendar year 2023 combined ratio was 86%, a sign of underwriting profitability, and net written premium increased by 1%.

NCCI data shows that injured worker claims frequency has continued to decline on a countrywide basis, while claim severity changes were moderate for 2023.

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NCCI credits a continued focus on worker safety and technological advancements as contributing to fewer workplace injuries over time.

While payroll increased by 6% between 2022 and 2023, workers’ compensation system costs have increased at a slower pace than wages during the same period. Also, while economic inflation has been elevated over the past few years, this has not generally translated to higher workers’ compensation medical and indemnity benefit costs, according to NCCI.

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Walk Through 3 Million Incredible Lights at New England’s Largest Holiday Light Show

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Walk Through 3 Million Incredible Lights at New England’s Largest Holiday Light Show


Have you heard of Holly Jolly Journey in Litchfield, New Hampshire?

It’s touted as “New England’s largest and most spectacular holiday light show,” and it’s just one more incredible event you should check out this Christmas season.

According to its website, Holly Jolly Journey has added a million lights for this recent season, meaning there are now over 3 million dazzling lights you can take in while walking through.

What Is Holly Jolly Journey in Litchfield, New Hampshire?

Located at Mel’s Funway Park in Litchfield, Holly Jolly Journey is a walk-through Christmas light event that spans over 2/3 of a mile and features some incredible displays all along the way.

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Some of the spectacular things you can see include Santa’s Workshop, Candy Cane Lane, Twinkly Tunnel and Teddy’s Christmas Corner, among others.

The walk is truly mesmerizingly festive.

The Holly Jolly Journey website also notes some new stuff for the 2025/26 season, including additions to almost every scene along the walk, more trees lit, more food and drink stations, a new 28-foot centerpiece, and a new indoor party suite.

When is the Holly Jolly Journey in Litchfield, New Hampshire?

According to its website, the Holly Jolly Journey takes place from the day after Thanksgiving through January 11. It is closed on Christmas Eve.

There are multiple time slots to choose from, starting at 4:30 p.m. and with the last time slot of the day being at 10 p.m. (for those late-night holiday owls).

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It should take about an hour to complete, but you can take as long as you’d like.

READ MORE: New Hampshire’s Dazzling 2-Mile Holiday Drive-Thru With 3 Million Lights Returns for 2025

Have you decided which holiday experience you should do this season? You certainly don’t have to limit yourself to one, and Holly Jolly Journey is one you might want to consider. With over 3 million lights and incredible displays on a festive walk perfect for the family, you’ll be soaking up the sparkle of Christmas in the best way possible.

You’ll also have so many Instagram-worthy pics with that glowing backdrop!

25 New Hampshire Towns That Would Be Perfect for a Christmas Movie

Gallery Credit: Kira

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New England’s Top Christmas Towns Are Perfect for a Magical Winter Getaway

Gallery Credit: Megan





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New Hampshire woman arrested after high-speed chase ends in crash

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New Hampshire woman arrested after high-speed chase ends in crash


DOVER, New Hampshire (WGME) — A New Hampshire woman is facing charges after reportedly speeding more than 100 miles per hour during a police chase.

New Hampshire State Police say it happened Saturday night on Route 16 in Dover.

Troopers say they tried to pull over the driver, Stephanie Dupont, but she took off at high speed.

Troopers say they followed her to Exit 3, where she veered off the road.

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After the crash, they say she jumped out of the car and tried to flee on foot.

An off-duty officer from Ogunquit happened to be near by and was able to stop her.

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Officials say Dupont suffered non-life-threatening injuries in the crash.

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Judge strikes down challenge to NH absentee voting law

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Judge strikes down challenge to NH absentee voting law


A superior court judge has dismissed a lawsuit filed by a group of visually impaired New Hampshire voters who argued a newly passed absentee voter law violates the state constitution.

In a lawsuit filed this summer, the plaintiffs alleged the measure, which was backed by state Republicans, places a disproportionate burden on people with disabilities by making it harder to vote.

On Friday, New Hampshire Superior Court Judge David Ruoff dismissed the case, ruling that the new policies are reasonable.

The new law requires people requesting an absentee ballot to prove their identity in one of three ways: either mail in a photocopy of an ID, along with their ballot application; have their ballot application notarized; or show an ID at town hall prior to an election.

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In his opinion, Ruoff said, “The identification requirements impose ordinary burdens on all absentee voters, and the possibility that it may cause additional burden on a subset of absentee voters does not render the entire statute unconstitutional.”

It isn’t clear if the plaintiffs will appeal the ruling to the New Hampshire Supreme Court.

“We appreciate the Court’s recognition that the identification requirements for absentee voters are reasonable, constitutional, and consistent with New Hampshire’s long-standing election practices,” said New Hampshire Attorney General John Formella, who defended the law in court.

New Hampshire residents who vote in person are already required to show an ID at the polls when requesting a ballot. Supporters of the new law say the same safeguards should be in place for those voters who request an absentee ballot.

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