Filing Requirements
Review Requirements Reference Comments Location in Contract(page and section #) If Applicable
Filing Procedures and Fees 20 CSR5 00-8.100 and 374.230 (5) RSMo Describes the procedures for rates/rules/forms filings. One filing may contain rates, rules and forms. Payment for filings is available through EFT. Filing fee is $50.00 per line per company. EFT payment may be submitted as long as the filing is still open. Payment not made by EFT will be billed in arrears by Department invoice.  
Transmittal Document   For paper filings, submit a completed TD-1 form  

Forms
Review Requirements Reference Comments Location in Contract(page and section #) If Applicable
Application 375.936 RSMo & 20CSR500-6.100(6) Prohibits insurers asking applicants if they have ever been cancelled or non-renewed by a prior insurer  
Cancellation/Nonrenewal—Mailing Requirement 379.885 RSMo Proof of mailing to the named insured at his last known address  
Cancellation/ Nonrenewal – Policyholder right to claims history 379.884 RSMo Within 30 days of a written request, the insured shall receive a statement of claims history for the 3 years prior to the date of cancellation; or, total claims history, if policy has been in effect less than 3 years  
Cancellation – Notice of 379.883 RSMo 60 days prior to the effective date except:  for nonpayment of premium, fraud, changes in conditions after the effective date, insolvency of the insurer or if insurer involuntarily loses reinsurance for the policy  
Cancellation/Nonrenewal—Reasons for 379.883(3) RSMo Insurer's actual reason to be sufficiently clear and specific. An assignment or transfer among affiliated insurers within a group is not considered a cancellation/nonrenewal  
Form filed 287.310 RSMo and 20 CSR 500-6.100 Forms must be filed on a prior approval basis  
Mandatory endorsement (name, address, phone) 375.924(1) RSMo Requires policies to provide the name, address and telephone number of the insurer  

Rate
Review Requirements Reference Comments Location in Contract(page and section #) If Applicable
Fees 375.052 RSMo & 379.356 RSMo Incidental fees to premium installments, late payments, policy reinstatements or other similar services specifically provided for by law or regulation are allowed  
Rate & supplementary information 20 CSR 500-6.950 Insurers must submit final rates for each classification, supplementary rate information, Independent Rate Filing Form (Exhibit A), Rate Development Summary Form (Exhibit B)  
Individually rated WC policies with large deductibles 284.947 RSMo See Bulletin 15-02 Provides information needed to facilitate the Department’s review of individually rated policies with large deductibles.  
Electronic Rate Submission 20 CSR 500-6.950(4)(D) Requires each company to file rates electronically  
Rate filings 287.947 RSMo Requires all rate filings to be filed no later than 30 days after the effective date of the filing  
Individually rated WC policies with large deductibles 284.947 RSMo See Bulletin 15-02 Information needed to facilitate the Department’s review of individually rated policies with large deductibles  
Rate standard 287.950 RSMo Rates shall not be excessive, inadequate, or unfairly discriminatory.  
Uniform classification & experience rating 287.955 RSMo Insurers will adhere to the uniform classification system designated by the director (currently NCCI)  
WC Administration Tax & Second Injury Fund Surcharge See  Bulletins for the current year assessment Division of WC sets the tax and assessment amounts each year  

Misc. Related Issues
Review Requirements Reference Comments Location in Contract(page and section #) If Applicable
Safety programs 287.123 RSMo Insurers are required to file their safety engineering and management programs with the Department of Labor and Industrial Relations for certification; these programs are to be made available to each employer upon request  
Second Injury Fund Surcharge 287.715 RSMo Explains the requirements for payment of second injury fund surcharges  
Tax payments 287.710 RSMo Explains the requirements/format for payment of the workers' compensation tax  
Workers' Compensation Determinations Review Board 287.3 35 RSMo Reviews code classifications and other miscellaneous WC issues