| 1 | 1 | | FIRSTREGULARSESSION |
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| 2 | 2 | | HOUSEBILLNO.1191 |
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| 3 | 3 | | 103RDGENERALASSEMBLY |
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| 4 | 4 | | INTRODUCEDBYREPRESENTATIVEJOHNSON. |
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| 5 | 5 | | 2253H.01I JOSEPHENGLER,ChiefClerk |
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| 6 | 6 | | ANACT |
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| 7 | 7 | | Torepealsection287.280,RSMo,andtoenactinlieuthereofonenewsectionrelatingto |
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| 8 | 8 | | supplementalworkers'compensationinsuranceforcertainfirstresponders. |
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| 9 | 9 | | BeitenactedbytheGeneralAssemblyofthestateofMissouri,asfollows: |
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| 10 | 10 | | SectionA.Section287.280,RSMo,isrepealedandonenewsectionenactedinlieu |
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| 11 | 11 | | 2thereof,tobeknownassection287.280,toreadasfollows: |
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| 12 | 12 | | 287.280.1.(1)Everyemployersubjecttotheprovisionsofthischaptershall,on |
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| 13 | 13 | | 2eitheranindividualorgroupbasis,insuretheirentireliabilityundertheworkers' |
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| 14 | 14 | | 3compensationlaw;andmayinsureinwholeorinparttheiremployerliability,undera |
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| 15 | 15 | | 4policyofinsuranceoraself-insuranceplan,exceptashereafterprovided,withsome |
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| 16 | 16 | | 5insurancecarrierauthorizedtoinsuresuchliabilityinthisstate,exceptthatanemployeror |
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| 17 | 17 | | 6groupofemployersmaythemselvescarrythewholeoranypartoftheliabilitywithout |
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| 18 | 18 | | 7insuranceuponsatisfyingthedivisionoftheirabilitytodoso.Ifanemployerorgroupof |
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| 19 | 19 | | 8employershavequalifiedtoself-insuretheirliabilityunderthischapter,thedivisionof |
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| 20 | 20 | | 9workers'compensationmay,ifitfindsafterahearingthattheemployerorgroupofemployers |
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| 21 | 21 | | 10arewillfullyandintentionallyviolatingtheprovisionsofthischapterwithintenttodefraud |
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| 22 | 22 | | 11theiremployeesoftheirrighttocompensation,suspendorrevoketherightoftheemployeror |
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| 23 | 23 | | 12groupofemployerstoself-insuretheirliability.Iftheemployerorgroupofemployersfailto |
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| 24 | 24 | | 13complywiththissection,aninjuredemployeeorhisorherdependentsmayelectafterthe |
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| 25 | 25 | | 14injuryeithertobringanactionagainstsuchemployerorgroupofemployerstorecover |
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| 26 | 26 | | 15damagesforpersonalinjuryordeathanditshallnotbeadefensethattheinjuryordeathwas |
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| 27 | 27 | | 16causedbythenegligenceofafellowservant,orthattheemployeehadassumedtheriskofthe |
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| 28 | 28 | | 17injuryordeath,orthattheinjuryordeathwascausedtoanydegreebythenegligenceofthe |
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| 29 | 29 | | EXPLANATION—Matterenclosedinbold-facedbrackets[thus] intheabovebillisnotenactedandis |
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| 30 | 30 | | intendedtobeomittedfromthelaw.Matterinbold-facetypeintheabovebillisproposedlanguage. 18employee;ortorecoverunderthischapterwiththecompensationpaymentscommutedand |
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| 31 | 31 | | 19immediatelypayable;or,iftheemployeeelectstodoso,heorshemayfilearequestwiththe |
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| 32 | 32 | | 20divisionforpaymenttobemadeformedicalexpensesoutofthesecondinjuryfundas |
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| 33 | 33 | | 21providedinsubsection7ofsection287.220.Iftheemployerorgroupofemployersare |
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| 34 | 34 | | 22carryingtheirowninsurance,ontheapplicationofanypersonentitledtocompensationand |
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| 35 | 35 | | 23onproofofdefaultinthepaymentofanyinstallment,thedivisionshallrequiretheemployer |
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| 36 | 36 | | 24orgroupofemployerstofurnishsecurityforthepaymentofthecompensation,andifnot |
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| 37 | 37 | | 25given,allothercompensationshallbecommutedandbecomeimmediatelypayable;provided, |
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| 38 | 38 | | 26thatemployersengagedintheminingbusinessshallberequiredtoinsureonlytheirliability |
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| 39 | 39 | | 27hereundertotheextentoftheequivalentofthemaximumliabilityunderthischapterforten |
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| 40 | 40 | | 28deathsinanyoneaccident,buttheemployerorgroupofemployersmaycarrytheirownrisk |
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| 41 | 41 | | 29foranyexcessliability.Whenagroupofemployersenterintoanagreementtopooltheir |
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| 42 | 42 | | 30liabilitiesunderthischapter,individualmemberswillnotberequiredtoqualifyasindividual |
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| 43 | 43 | | 31self-insurers. |
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| 44 | 44 | | 32 (2)Anemployerorgroupofemployerssubjecttotheprovisionsofthischapter |
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| 45 | 45 | | 33maycontractforadditionalsupplementalinsurancecoverageforvolunteerfirefighters |
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| 46 | 46 | | 34injuredinthelineofdutytocoveradditionalpaymentofworkers'compensation |
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| 47 | 47 | | 35benefitsunderthelaw,includingtemporarytotaldisabilitybenefitsowedundersection |
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| 48 | 48 | | 36287.250,foroverandabovethestatutoryamountsallowedunderthischapter. |
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| 49 | 49 | | 37Notwithstandinganylawtothecontrary,nothinginthissubdivisionpreventsa |
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| 50 | 50 | | 38volunteerfiredepartment,acountyorregionalassociationofvolunteerfire |
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| 51 | 51 | | 39departments,municipality,oranycombinationofthese,orgroupsofemployers,that |
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| 52 | 52 | | 40havebeengrantedauthoritybythedivisiontoself-insuretheirworkers'compensation |
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| 53 | 53 | | 41liabilities,fromoptionallycontributinginpartorinwholetothepaymentofpremiums |
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| 54 | 54 | | 42relatingtotheadditionalsupplementalinsurancecoverage.Inadditiontoanyother |
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| 55 | 55 | | 43purposeauthorizedbylaw,acountygoverningbodyoramunicipalgoverningbody |
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| 56 | 56 | | 44mayuseproceedsfromcountyandmunicipaltaxesnotearmarkedforotherpurposes |
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| 57 | 57 | | 45forthepurposesofprovidingadditionalsupplementalinsurancecoverageunderthis |
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| 58 | 58 | | 46subdivision. |
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| 59 | 59 | | 47 2.Groupsofemployersqualifiedtoinsuretheirliabilitypursuanttochapter537or |
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| 60 | 60 | | 48thischaptershallutilizeauniformexperienceratingplanpromulgatedbyanapproved |
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| 61 | 61 | | 49advisoryorganization.Suchgroupsshalldevelopexperienceratingsfortheirmembersbased |
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| 62 | 62 | | 50ontheplan.Nothinginthissectionshallrelieveanemployerfromremitting,withoutany |
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| 63 | 63 | | 51chargetotheemployer,theemployer'sclaimshistorytoanapprovedadvisoryorganization. |
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| 64 | 64 | | 52 3.Foreveryentityqualifiedtogroupself-insuretheirliabilitypursuanttothischapter |
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| 65 | 65 | | 53orchapter537,eachentityshallnotauthorizetotaldiscountsforanyindividualmember |
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| 66 | 66 | | HB1191 2 54exceedingtwenty-fivepercentbeginningJanuary1,1999.Alldiscountsshallbebasedon |
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| 67 | 67 | | 55objectivequantitativefactorsandapplieduniformlytoalltrustmembers. |
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| 68 | 68 | | 56 4.Anygroupofemployersthathavequalifiedtoself-insuretheirliabilitypursuantto |
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| 69 | 69 | | 57thischaptershallfilewiththedivisionpremiumrates,basedonpurepremiumratedata, |
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| 70 | 70 | | 58adjustedforlossdevelopmentandlosstrendingasfiledbytheadvisoryorganizationwiththe |
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| 71 | 71 | | 59departmentofcommerceandinsurancepursuanttosection287.975,plusanyestimated |
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| 72 | 72 | | 60expensesandotherfactorsorbasedonaveragerateclassificationscalculatedbythe |
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| 73 | 73 | | 61departmentofcommerceandinsuranceastakenfromthepremiumratesfiledbythetwenty |
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| 74 | 74 | | 62insurancecompaniesprovidingthegreatestvolumeofworkers'compensationinsurance |
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| 75 | 75 | | 63coverageinthisstate.Therateisinadequateiffundsequaltothefullultimatecostof |
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| 76 | 76 | | 64anticipatedlossesandlossadjustmentexpensesarenotproducedwhentheprospectiveloss |
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| 77 | 77 | | 65costsareappliedtoanticipatedpayrolls.Theprovisionsofthissubsectionshallnotapplyto |
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| 78 | 78 | | 66thosepoliticalsubdivisionsofthisstatethathavequalifiedtoself-insuretheirliability |
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| 79 | 79 | | 67pursuanttothischapterasauthorizedbysection537.620onanassessmentplan.Anysuch |
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| 80 | 80 | | 68groupmayfilewiththedivisionacompositerateforallcoveragesprovidedunderthat |
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| 81 | 81 | | 69section. |
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| 82 | 82 | | 70 5.Whenconsideringapplicationsfornewtrustself-insurers,asdescribedunder8 |
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| 83 | 83 | | 71CSR50-3.010,thedivisionshallrequireproofofpaymentbyeachmemberofnotlessthan |
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| 84 | 84 | | 72twenty-fivepercentoftheestimatedannualpremium;exceptthat,fornewmemberswhowish |
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| 85 | 85 | | 73tojoinanexistingtrustself-insurerduringthepolicyyearratherthanatthebeginningofthe |
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| 86 | 86 | | 74policyyear,thedivisionshallrequireproofofpaymentofthelesseroftheestimatedpremium |
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| 87 | 87 | | 75ofthreemonthsortheestimatedpremiumforthebalanceofthepolicyyear. |
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| 88 | 88 | | 76 6.Self-insuredtrusts,asdescribedunder8CSR50-3.010,mayinvestsurplusmoneys |
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| 89 | 89 | | 77fromapriortrustyearnotneededforcurrentobligations.Notwithstandinganyprovisionof |
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| 90 | 90 | | 78lawtothecontrary,uponapprovalbythedivision,aself-insuredtrustmayinvestuptoone |
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| 91 | 91 | | 79hundredpercentofsurplusmoneysinsecuritiesdesignatedbythestatetreasureras |
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| 92 | 92 | | 80acceptablecollateraltosecurestatedepositsundersection30.270. |
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| 93 | 93 | | 81 7.Anyfindingordeterminationmadebythedivisionunderthissectionmaybe |
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| 94 | 94 | | 82reviewedasprovidedinsections287.470and287.480. |
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| 95 | 95 | | 83 8.Ifagroupofemployerswhohavebeengrantedself-insuranceauthorityunderthis |
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| 96 | 96 | | 84chapterorchapter537orapublicsectorindividualemployergrantedself-insuranceauthority |
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| 97 | 97 | | 85underthischapterisdeemedinsolvent,determinedtobeinsolvent,orfilesforbankruptcy, |
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| 98 | 98 | | 86andfailstopayanyofitsobligationsthatareowedtoaninjuredemployeeoraninjured |
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| 99 | 99 | | 87employee'sdependentordependentspursuanttothischapter,whetherbasedupona |
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| 100 | 100 | | 88compromisesettlementapprovedpursuanttosection287.390orbaseduponanawardissued |
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| 101 | 101 | | 89pursuanttothischapter,thedivisionshallcallupontheentiresecuritypostedbythegroupof |
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| 102 | 102 | | 90employersorpublicsectorindividualemployer.Thedivisionmayreferallknownlossesor |
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| 103 | 103 | | HB1191 3 91casesofthegroupofemployersorpublicsectorindividualemployertoathird-party |
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| 104 | 104 | | 92administratororanysuchentityauthorizedinthisstatetoadministertheworkers' |
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| 105 | 105 | | 93compensationcases.Thethird-partyadministratororentitytowhichthelossesare |
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| 106 | 106 | | 94transferredshallhavetheauthoritytoreceivethesecurityproceedsfromthedivisionanduse |
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| 107 | 107 | | 95theproceeds,afterdeductingreasonableadministrativeexpenses,topaythecompensation |
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| 108 | 108 | | 96benefitsowedpursuanttothischapter.Thesecurityproceedsshallnotbeconsideredstate |
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| 109 | 109 | | 97propertyandshallnotbesubjecttoappropriationbythegeneralassembly.Anyunused |
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| 110 | 110 | | 98portionofthesecurityproceedsshallbereturnedtothedivision.Thegroupofemployersor |
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| 111 | 111 | | 99publicsectorindividualemployermayapplytothedivisionforreleaseoftheunusedportion |
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| 112 | 112 | | 100ofthesecurityproceedsassetforthinrulespromulgatedbythedivision.Neitherthedivision |
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| 113 | 113 | | 101noranythird-partyadministratorshallbeobligatedorrequiredtopayanyobligationsor |
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| 114 | 114 | | 102moneysinanamountinexcessofthesecurityproceeds,andneitherthedivisionnorany |
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| 115 | 115 | | 103third-partyadministratorshallbeliableforanyinterestorpenalties.Thejointandseveral |
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| 116 | 116 | | 104liabilityofthemembersofagroupthatisdeemedinsolvent,thatisdeterminedtobe |
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| 117 | 117 | | 105insolvent,orthatfilesforbankruptcyshallcontinueandshallnotbeterminatedbypayment |
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| 118 | 118 | | 106ofbenefitsunderthissubsection. |
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| 119 | 119 | | 107 9.Noruleorportionofarulepromulgatedundertheauthorityofthissectionshall |
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| 120 | 120 | | 108becomeeffectiveunlessithasbeenpromulgatedpursuanttotheprovisionsofsection |
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| 121 | 121 | | 109536.024. |
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| 122 | 122 | | 110 10.Anyrecordssubmittedpursuanttothissection,andpursuanttoanyrule |
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| 123 | 123 | | 111promulgatedbythedivisionpursuanttothissection,shallbeconsideredconfidentialandnot |
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| 124 | 124 | | 112subjecttochapter610.Anypartytoaworkers'compensationcaseinvolvingthepartythat |
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| 125 | 125 | | 113submittedtherecordsshallbeabletosubpoenatherecordsforuseinaworkers' |
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| 126 | 126 | | 114compensationcase,iftheinformationisotherwiserelevant. |
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| 127 | 127 | | âś” |
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| 128 | 128 | | HB1191 4 |
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