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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.
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.
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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A New Hampshire woman was arrested after a weekend pursuit that led to a 20-minute standoff with police on Interstate 89 in Concord, state police said Monday.
Desiree Charter, 38, of Nashua, was charged with reckless conduct with a deadly weapon, driving after being deemed a habitual offender, possession of a controlled drug – subsequent, aggravated DUI, driving under the influence and disobeying an officer, state police said.
At 10:22 p.m. Sunday, troopers tried to stop the driver of a 2013 Chevrolet Equinox, later identified as Charter, for lane control violations on Clinton Street in Concord.
The troopers used emergency lights and sirens, but Charter increased speed and continued swerving in lanes while driving Concord and Hopkinton, state police said.
During the pursuit, Charter nearly hit another vehicle on I-89 northbound in Concord. State police said troopers were later able to successfully deflate the SUV’s tires using a tire deflation device near Exit 4.
But Charter continued northbound on I-89 for about a mile before crashing into the right guardrail. She then refused commands from troopers, prompting a 20-minute standoff, state police said.
During the standoff, I-89 was closed in the area of mile marker 7.
Eventually, Charter got out of the SUV and was taken into custody. She was taken by ambulance to Concord Hospital with minor, non-life-threatening injuries, state police said.
Troopers later learned that Concord Police had also tried to stop the same vehicle earlier in the evening, but Charter failed to stop for officers, who chose to end their pursuit.
Charter is scheduled to appear in Concord District Court on Jan. 10.
This is a developing story. Check back for updates as more information becomes available.
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Skiing
Skiers and riders at Storrs Hill Ski Area in Lebanon, N.H. can ski for free all season long.
The ski area, which opened in 1923 and is run by the nonprofit Lebanon Outing Club, is offering free lift tickets during the 2024-25 season thanks to a gift from the Jack and Dorothy Byrne Foundation.
“This project embodies the spirit of our community, providing an opportunity for everyone to enjoy the outdoors and experience the magic of winter sports,” said Cory Grant, hill manager and president of the Lebanon Outing Club, in a statement. “We hope this initiative brings neighbors together and inspires a love of skiing in a fun and accessible way.”
The ski area, which sees about 5,000 visitors annually, has 20 skiable acres, a vertical drop of 300 feet, seven trails, one lift, two ski jumps, a terrain park, instructional programs, a lodge, and night skiing. Skiers have been hitting the slopes there at night since 1939.
The donation could result in free skiing during subsequent seasons as well, according to the ski area.
Storrs Hill Ski Area is open Fridays from 5 to 9 p.m., Saturdays from 11 a.m. to 9 p.m. and Sundays from 11 a.m. to 5 p.m. Skiers do not need to make a reservation but should note that rental equipment is not available. Those interested can view a trail map.
Another New Hampshire ski area helping skiers financially this season is King Pine Ski Area in Madison, N.H, where skiers can hit the slopes for $4 on Dec. 19 in celebration of its Founders Day.
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An ice climber from New Jersey was rescued after he fell 60 feet Saturday night while ascending Shoestring Gully on Mount Webster in New Hampshire’s White Moutains, officials said.
Slavek Zaglewski, 55, of Oakland, N.J., was climbing with his friend, Mariusz Markewicz, when he fell while climbing a steep section near the top of the gully, according to a statement released by New Hampshire Fish and Game.
Zaglewski suffered injuries to his arm and head in the fall, according to the statement. Markewicz secured and dressed his injured climbing partner in warm clothes before continuing to climb the ridge until he had cellphone service and could place a call to emergency services.
Fish and Game officials were notified of the situation around 7:30 p.m., and conservation officers responded, along with 28 volunteers from the Mountain Rescue Service, Androscoggin Valley Search and Rescue, and the Bartlett-Jackson Ambulance service, according to the statement.
Upon arriving at the scene, a small group of rescuers reached Zaglewski and stabilized his injuries, treated his hypothermia, and loaded him into a rescue litter, while the rest of the team hiked up the ridge with equipment needed to raise Zaglewski out of the gully.
Zaglewski was lifted nearly 400 feet back to level ground before volunteers carried him 2 miles to the trailhead, according to the statement. “Several sections of the trail were so steep that rescuers needed to use roped belays to move the litter safely down,” officials said.
Zaglewski reached the trailhead shortly after 5 a.m. Sunday and was taken by ambulance to Maine Health Memorial Hospital in North Conway for further treatment.
Collin Robisheaux can be reached at collin.robisheaux@globe.com. Follow him on Twitter @ColRobisheaux.
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