Q & A

1. What is a Good Experience Return Plan?
It is a special plan that pools the premiums and losses of plan participants to spread losses over a wider premium base. If the loss experience of the group is favorable, the plan provides for the return of a portion of the premium as a Good Experience Return.

2. How much is the good experience return?
As with any loss ratio rating plan, the exact amount cannot be determined until the full amount of all program premi­ums and losses have been ascertained.

3. Is the good experience return guaranteed?
Although Good Experience Returns cannot be guaranteed, the NATA/USAIG Workers’ Compensation Program has now paid over $75 million in Good Experience Returns since its inception in 1975. Moreover, this plan has paid a Good Experience Return each and every year!

4. Will I be penalized if the group has an adverse loss experience?
No, each member is individually rated according to the manual procedure for the member’s particular state. Mem­bers may participate in favorable group experience through good experience returns, but there is no penalty if the group suffers unusual losses.

5. What will my rates be?
Your rates will be standard manual rates appropriate to your operation and subject to your own experience modifi­cation, plus premium discounts, where applicable.

6. Who can participate in the plan?
The NATA/USAIG Workers’ Compensation Program is available to any NATA member who meets USAIG’s underwriting requirements for participating in the plan. NATA membership notwithstanding, USAIG can under­write workers’ compensation insurance only for individu­als or firms directly involved in the operation, servicing, maintenance, storage, repair or sale of aircraft.

7. My Workers' Compensation is already with a USAIG company; how do I join the plan?
If you meet USAIG’s underwriting requirements for partic­ipating in the plan, have your agent/broker ask USAIG to cancel your workers’ compensation coverage on a pro-rata (without penalty) basis and rewrite it under the NATA/USAIG Workers’ Compensation Program.

8. My Workers' Compensation insurance is NOT with a USAIG company; how do I join the plan?
Have your agent/broker submit an application to USAIG. If approved, have your agent/broker ask your current workers’ compensation underwriter to give you a pro-rata (without penalty) cancellation. If your current underwriter is unwilling to do this, you must either take a short-rate (penalty) cancellation, or wait until your policy’s expiration date to join the NATA/USAIG Workers’ Compensation Program.

9. Is the NATA Plan available in all states?
While the NATA/USAIG Workers’ Compensation Pro­gram is available in most states, it cannot be written in the monopolistic states of Ohio, North Dakota, Washington and Wyoming. For complete details have your agent/broker check with USAIG.

To enroll or learn more, contact:

(1) 1-212-859-3988, or

(2) Your agent or broker to get in touch with one of the USAIG offices.

(3) You also can download and have your agent/broker mail your completed workers' compensation insurance application, together with a completed USAIG Pilot Record form for each of your pilots, to the nearest USAIG office.