Contractors Credit Premium Adjustment Program (CCPAP) FAQs

What is the CCPAP?

The Contractors Credit Premium Adjustment Program provides a premium credit for construction industry employers who pay high hourly wages. It applies only to the construction class codes--it does not apply to office workers or other non-construction employees.

Who is eligible?

Every Missouri employer who has workers' compensation premium in one of the contracting classification codes. This includes any company that erects, demolishes, alters or repairs structures, and includes carpenters, plumbers, electricians, roofers, painters, landscapers, welders, machinery installers, concrete construction workers, earthmovers or drillers.

"Contracting classifications" are those classifications subject to the following code numbers:

0042	5040	5213	5462	5535	6204	6251	8227
0050	5057	5215	5472	5537	6206	6252	9534
1322	5059	5221	5473	5551	6213	6260	9554
2779	5067	5222	5474	5606	6214	6306
3365	5069	5223	5478	5610	6216	6319
3719	5102	5348	5479	5645	6217	6325
3724	5146	5402	5480	5703	6229	6400
3726	5160	5403	5491	5705	6233	7380*
5020	5183	5437	5505	6003	6235	7538
5022	5188	5443	5506	6005	6236	7605
5037	5190	5445	5515	6045	6237	7855

*Note: Code 7380

Code 7380 may be used only on policies where more than 50 percent of the total premium is produced by one or more of the contracting classifications listed.

How do I apply for the credit?

If your workers compensation policy has one of these construction classification codes, your insurer will automatically send you the form. If you have not received a form by your policy renewal date, contact your insurer. You must submit your form within 180 days from the date your policy renews or begins. The application form must be submitted to the National Council of Compensation Insurance (NCCI) for calculation. The address for the NCCI is:

NCCI Missouri Contractors' Credit Premium Adjustment Program
901 Peninsula Corporate Circle
Boca Raton, Florida 33487

How much of a credit can I get?

The amount of your credit depends on how your average hourly wage compares to the state average hourly wage.

There is a mathematical formula that is used to calculate the exact credit applicable to each policy. The calculation is generated by the NCCI based upon the payroll information supplied by the insured. If, after receiving notification of the credit to be applied, there are questions as to how the credit was calculated, the NCCI can be reached at 800-622-4123.

Do I have to fill out the form?

You should fill out the form to see if you qualify for the credit. If your average hourly wage is under $21, you do not have to submit the form. You will still get a form next year.

What time period is used to calculate the CCPAP?

You will report the total payroll (excluding overtime pay), and the corresponding total number of hours worked for any calendar quarter (first, second, third, or fourth) of the year preceding the policy effective date as reported to taxing authorities.

Workers' Compensation Contractors Credit Premium Adjustment Program (CCPAP) FAQs

Contractors Credit Premium Adjustment Program (CCPAP) FAQs

In This Section