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• No. “Contingency” firms look for experience modification mistakes retroactively and then split the savings. AcuComp® is both retrospective and prospective, which results in a permanent drop in an experience modification averaging 27 points over time. As long as an insured remains with the program experience modifiers will stay at their lowest possible point.


• The five year audit performed by the Massachusetts Department of Insurance together with the NIAS cumulative activity report (on-line demonstration) showing actual changes in reserves and experience modifiers over the past 10 years.