New Hampshire
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.
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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An Alton man is dead after a snowmobile crash in New Hampshire’s North Country Thursday afternoon.
The New Hampshire Department of Fish and Game says 63-year-old Bradford Jones was attempting to negotiate a left hand turn on Corridor Trail 5 in Colebrook when he lost control of his snowmobile, struck multiple trees off the side of the trail and was thrown from the vehicle shortly before 3:30 p.m.
Jones was riding with another snowmobiler, who was in the lead at the time of the crash, according to the agency. Once the other man realized Jones was no longer behind him, he turned around and traveled back where he found Jones significantly injured, lying off the trail beside his damaged snowmobile.
The man immediately rendered aid to Jones and called 911 for assistance, NH Fish and Game said. The Colebrook Fire Department used their rescue tracked all terrain vehicle and a specialized off road machine to transport first responders across about a mile of trail to the crash scene.
Once there, a conservation officer and 45th Parallel EMS staff attempted lifesaving measures for approximately an hour, but Jones ultimately died from his injuries at the scene of the crash, officials said.
The crash remains under investigation, but conservation officers are considering speed for the existing trail conditions to have been a primary factor in this deadly incident.
Recently, I met with a husband who had been caring for his wife since her Alzheimer’s diagnosis. Her needs were escalating quickly — appointments, medications, meals, personal care — and he was determined to keep her at home. But the cost to his own wellbeing was undeniable. He was sleep‑deprived, depressed, and beginning to experience cognitive decline himself.
As director of the Referral Education Assistance & Prevention (REAP) program at Seacoast Mental Health Center, which supports older adults and caregivers across New Hampshire in partnership with the CMHC’s across the state, I hear stories like his every week. And his experience is far from unique.
Across the country, 24% of adults are family caregivers. Here in New Hampshire, 281,000 adults provide this essential care, often with little preparation or support. Only 11% receive any formal training to manage personal care tasks — yet they are the backbone of our long‑term care system, helping aging parents, spouses, and loved ones remain safely at home. (AARP, 2025)
REAP provides short‑term counseling, education, and support for older adults, caregivers, and the professionals who support them. We address concerns around mental health, substance use and cognitive functioning. After 21 years working with caregivers, I have seen how inadequate support directly harms families. Caregiving takes a serious toll — emotionally, physically, socially and financially. Many experience depression, chronic stress, and increased risk of alcohol or medication misuse.
In REAP’s own data from 2024:
- 50% of caregivers reported moderate to severe depression
- 29% reported suicidal ideation in the past two weeks
- 25% screened positive for at‑risk drinking
Their responsibilities go far beyond tasks like medication management and meal preparation. They interpret moods, manage behavioral changes, ease emotional triggers, and create meaningful engagement for the person they love. Their world revolves around the care recipient — often leading to isolation, loss of identity, guilt, and ongoing grief.
The statistics reflect what I see every week. Nearly one in four caregivers feels socially isolated. Forty‑three percent experience moderate to high emotional stress. And 31% receive no outside help at all.
Compare that to healthcare workers, who work in teams, receive breaks, have coworkers who step in when overwhelmed, and are trained and compensated for their work. Even with these supports, burnout is common. Caregivers receive none of these protections yet are expected to shoulder the same level of responsibility — alone, unpaid, and unrecognized.
Senate Bill 608 in New Hampshire would finally begin to fill these gaps. The bill provides access to counseling, peer support, training, and caregiver assessment for family caregivers of individuals enrolled in two Medicaid waiver programs: Acquired Brain Disorder (ABD) and Choices for Independence (CFI). These services would address the very needs I see daily.
Professional counseling helps caregivers process the complex emotions of watching a loved one decline or manage the stress that comes with it. Peer support connects them with others navigating similar challenges. Caregiver assessment identifies individual needs before families reach crisis.
When caregivers receive the right support, everyone benefits. The care recipient receives safer, more compassionate care. The caregiver’s health stabilizes instead of deteriorating from chronic stress and neglect. And costly options, which many older adults want to avoid, are delayed or prevented.
There is a direct and measurable link between caregiver training and caregiver wellbeing. The spouse I mentioned earlier is proof. Through REAP, he received education about his wife’s diagnosis, guidance on communication and behavior, and strategies to manage his own stress. Within weeks, his depression decreased from moderate to mild without medication. He was sleeping through the night and thinking more clearly. His frustration with his wife dropped significantly because he finally understood what she was experiencing and how to respond compassionately.
The real question before lawmakers is not whether we can afford SB 608. It is whether we can afford to continue ignoring the needs of those who hold our care system together. In 1970, we had 31 caregivers for every one person needing care. By 2010, that ratio dropped to 7:1. By 2030, it is projected to be 4:1. Our caregiver supply is shrinking while needs continue to grow. Without meaningful support, our systems — healthcare, long‑term care, and community supports — cannot function. (AARP, 2013)
Caregivers don’t ask for much. They want to keep their loved ones safe, comfortable, and at home. They want to stay healthy enough to continue providing care. SB 608 gives them the tools to do exactly that.
I urge New Hampshire lawmakers to support SB 608 and stand with the 281,000 residents who are quietly holding our care system together. We cannot keep waiting until caregivers collapse to offer help. We must provide the support they need now — before the burden becomes too heavy to bear.
Anne Marie Sirrine, LICSW, CDP is a staff therapist and the director of the REAP (Referral Education Assistance & Prevention) program at Seacoast Mental Health Center.
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