Take-Out Credit Program (TOC)

​​​​​​NCCI's Take-Out Credit (TOC) Program encourages the depopulation of the residual market by providing a credit incentive to insurers for moving a risk from the residual market to the voluntary market. Credits are applied that reduce the amount of premium used in calculating insurers’ Plan participation base.

NCCI administers the TOC Program in the following states: Alabama, Alaska, Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Kansas, Mississippi, New Hampshire, New Mexico, Oregon, South Carolina, South Dakota, Tennessee, Vermont, Virginia, and West Virginia.

Highlights for this program include:

  • The automated residual market TOC Program identifies eligible policies and determines the take-out credit based on the filed and approved program in each applicable state
  • Annual electronic notification of the carrier's estimated take-out credit, including detailed information on policies, premium, and credit calculations by state
  • Ability to review the TOC report and revise policy information, if needed
  • Electronic request for the NCCI calculated take-out credit
  • Historical view of take-out credits
  • Carriers
Media Available
  • Online
  Description Affiliate Price Non-Affiliate Price
  Online No Charge Not Available

Affiliate Pricing—A company that has signed an NCCI Affiliation Agreement for states in which NCCI is the licensed rating and/or statistical organization and where the Affiliate is writing or licensed to write workers compensation insurance.

Non-Affiliate Pricing—A customer of NCCI that is not licensed and/or writing workers compensation in a state where NCCI is the licensed rating and/or statistical organization.