Staying Ahead of the EDI Curve –Updates and How wcPrism Can Help

July 28, 2025 / 6 min read

I am happy to be attending the 2025 Workers’ Compensation Institute (WCI) Conference in Orlando, Florida, August 17^th-20^th. As part of this upcoming event, I will be presenting a session on the WCI Learning Stage entitled “Simplified State WC EDI Reporting” on August 18^th at 9:30 a.m. (Location: Main Exhibitor Floor).

As part of my presentation, I will be showcasing Verisk’s wcPrism solution focusing on how our wcPrism platform can assist carriers and states with their data reporting needs covering products such as: FROI/SROI, Unit Stat, Policy, Indemnity Data Call, Medical Data Call, and Detailed Claim Information.

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In advance of my presentation, and to better understand how wcPrism can assist, it may be helpful to outline the several reporting updates that have transpired in the first half of 2025, as well as updates scheduled for the remainder of the year and into 2026.

Toward that goal, the below provides an overview of current reporting updates:

Update #1: First Report of Injury (FROI) and Subsequent Report of Injury (SROI)

In 2025, the state of Virginia came out of the gate quickly as they transitioned to Release 3.1 on January 16, 2025, while testing was initiated and completed in 2024.^[1]Currently, there are two more states that are on the calendar to transition to Release 3.1 in 2025: New Mexico (November 7, 2025)^[2]and Missouri (December 5, 2025).^[3]

Of note, two additional states (Vermont and Colorado) were tentatively expected to make the transition to Release 3.1 in 2025 but subsequently delayed their move. Vermont was originally scheduled to implement Release 3.1 in May 2025. However, on February 6, 2025, The Vermont Department of Labor sent out an email to all Trading Partners announcing their delay of Release 3.1 with no future date specified.^[4] Colorado was scheduled to go live with Release 3.1 in October 2025. However, the Colorado Division of Workers’ Compensation announced on March 24, 2025, that they are delaying their transition to Release 3.1 for one year, with an expected go live date of July 30, 2026.^[5]

Update #2: New Data Elements for Indemnity Data Call Reporting

The Indemnity Data Call is the most recent product to the workers’ compensation industry which went live as of April 1, 2020. On October 10, 2024, NCCI published a circular introducing six new data elements which would be added to the quarterly record layout. Per NCCI, these new data elements help support legislative analysis, pricing, and research.^[6] The expansion of these six data elements was subsequently approved by the Workers Compensation Insurance Organization (WCIO) on October 16, 2024, with a go live data beginning with 4^th quarter 2025 data.^[7]

Update #3: Increased Participation for Indemnity and Medical Data Call Reporting

As noted above, the Indemnity Data Call is the newest product to our industry, and it is still maturing. With that, the Data Collection Organizations (DCO) set a threshold for this product when it was first introduced to coincide with the threshold for reporting the Medical Data Call^[8], and that was at least 1% market share in the respective state. Specifically, NCCI notes that if a carrier hits at least 1% market share in ANY NCCI state, they must report for ALL NCCI states.^[9]

Over the last couple years, several DCO’s have revised their participation threshold which will significantly increase the number of carriers reporting the Indemnity and Medical Data Call. In particular, the following five DCOs have increased participation: NCCI, New York, New Jersey, Pennsylvania, and Delaware. New York and New Jersey have expanded the Indemnity Data Call (IDC) and Medical Data Call (MDC) to full participation, rolled out in two phases. New York’s IDC and MDC phase one expansion started as of Q1 2024 for those carriers already reporting in other DCOs. Phase two implementation is scheduled for Q1 2025 for those carriers who have not yet reported to any other DCO.^[10]Regarding New Jersey, phase one of its IDC and MDC expansions began in Q1 2025 for all carriers with a premium market share of .25%, while phase two is currently set for Q1 2026 for all carriers with less than .25% market share.^[11]

NCCI has not yet gone to full participation with the likes of New York and New Jersey, however, they separated out expansion for IDC and MDC into separate years. Regarding IDC, all carriers with .5% market share had to begin reporting with Q4 2024 data.^[12] MDC will be required to be reported starting with Q4 2025 data for all carriers with .5% market share.^[13]

Most recently, Pennsylvania and Delaware announced their full participation of both the Indemnity Data Call and Medical Data Call. The Pennsylvania Compensation Rating Bureau (PCRB) published a circular on May 29, 2025, announcing an expansion of the products in two phases. For carriers with a market share of .25% and greater in Pennsylvania, reporting must begin with transactions effective July 1, 2026, due by December 31, 2026.^[14] For carriers with a market share less than .25%, reporting will be required as of transactions January 1, 2027 due June 30, 2027.^[15] On the same day, the Delaware Compensation Rating Bureau (DCRB) announced the same timeline and participation phases as Pennsylvania. This was announced in a separate circular by the DCRB.^[16]

Update #4: Expansion of Decimal Position for Loss Costs and Rates

A final item to keep on the radar is the extension in decimal position for loss costs and rates. To date, three DCOs have approved this change, along with their respective production dates, as follows: New York (10/1/2025),^[17]New Jersey (1/1/2026).^[18]and Minnesota (1/1/2026).^[19] Furthermore, four other DCOs (NCCI, Michigan, Pennsylvania, and Delaware) have proposed this change and are currently awaiting approval. Each of these DCOs have already announced their production dates in preparation of the necessary approval as follows: NCCI (1/1/2026),^[20] Michigan (1/1/2026),^[21] Pennsylvania (4/1/2026),^[22]and Delaware (12/1/2026).^[23] In terms of this change, the current standard reporting for loss costs and rates are two decimal positions with the third position reported as “0.” By moving from two decimal positions to three this will allow for additional pricing accuracy and stability, allow for greater responsiveness to year over year rate changes, and more precision in pure premium rates.^[24]

How wcPrism can help

In the meantime, please explore wcPrism to learn more about navigating the ever-changing landscape of workers’ compensation data reporting. As outlined more fully in the above referenced webpage, wcPrism offers a complete suite of Workers’ Compensation EDI compliant reporting products for insurers that leverages a true transaction-based approach, utilizing an interactive and automated platform to help improve your compliance practices. Through our suite of services and our experienced team, we can help you stay compliant, reduce penalties, and navigate the reporting requirements.

If you are attending the WCI conference, I certainly welcome the opportunity to speak in more detail regarding the above changes and how wcPrism can help! You can contact me directly at Nicholas.Guarda@verisk.com or 732-887-7556.

Verisk’s Learning Stage Presentations – Let’s connect at WCI!

For those attending WCI, here is a complete list of Verisk’s WC Learning Stage presentations located on the main exhibitor floor:

August 18 at 9:30 a.m. – Simplified State WC EDI Reporting, Nicholas Guarda, Associate Director, Workers' Comp Solutions
August 19 at 10:30 a.m. – Workflow Automation and Risk Monitoring, Kate Riordan, Director, Automation Initiatives
August 19 at 11:00 a.m.– Automated, Data-Driven Medicare Compliance, Sid Wong, VP, Policy and Dan Lindner, National Sales Executive

We certainly look forward to seeing you at our sessions and learning more about your challenges and how we can help! Alternatively, stop by our booth #901 to say hello!

[1] Virginia Workers Compensation Commission (VWC) Announcement: “VWC EDI Claims R3.1 Implementation Effective Date 1/16/2025.”

[2] Implementation Schedule - https://nmwcaedi.info/ - NMWCA – Verisk Transition Timelines R1.0 to R3.1 (Rev. 03-19-2025)

[3] Missouri Department of Labor and Industrial Relations Division of Workers’ Compensation: Missouri Division of Workers’ Compensation (MODWC) EDI Claims Release 3.1 Announcement 6/10/2025

[4] VDOL-EDI Coordinator – Announcement from Vermont Department of Labor – EDI Claims 3.1 Implementation Schedule

[5] https://cdle.colorado.gov/dwc/dowc-updates - EDI Claims 3.1 Upgrade Update

[6] NCCI Circular IND-2024-02 – “Indemnity – New Data Reporting Elements – Quarterly Record.”

[7] WCIO Data Specifications Update Announcement October 16, 2024

[8] NCCI Circular IND-2018-01 – “Indemnity Data Call – New Indemnity Data Call Effective Second Quarter 2020.”

[9] NCCI Circular IND-2018-01 – “Indemnity Data Call – New Indemnity Data Call Effective Second Quarter 2020.”

[10] Letter from Jeremy Attie, President and CEO, New York Compensation Insurance Rating Board to “Members of the Rating Board”, dated February 27, 2023 (RC 2577).

[11] NJCRIB Circular Letter #2069, “MDC IDC Expansion Announcement.”

[12] NCCI Circular IND-2024-01 “Expansion of Indemnity Data Call Participation.”

[13] NCCI Circular MED-2024-01- “Expansion of Medical Data Call Participation.”

[14] PCRB Circular #1827 “Changes to Medical Data Call and Indemnity Data Call Eligibility Requirements.”

[15] PCRB Circular #1827 “Changes to Medical Data Call and Indemnity Data Call Eligibility Requirements.”

[16] DCRB Circular #1054 “Changes to Medical Data Call and Indemnity Data Call Eligibility Requirements.”

[17] NYCIRB Circular R.C.2597 “Transition to Three Decimal Places for Loss Costs Values and Expected Loss Rates Effective Date: October 1, 2025.”

[18] NJCRIB Circular Letter #2068 “Decimal Extension of Rates and Excess Elements.”

[19] MWCIA Circular Letter No.24-1836 “Decimal Extension of Pure Premium Base Rates & Expected Loss Rates.”

[20] NCCI Circular FYI-CW-2024-01 “Countrywide – Decimal Extension of Loss Costs, Rates, and Expected Loss Rates.”

[21] CAOM Circular Letter 343 “Notification of an Extension of the Decimal Places in Voluntary Market Advisory Rating Values.”

[22] PCRB Circular NO. 1806 “Changes to Three Decimal for Loss Costs and Expected Loss Rates.”

[23] DCRB Circular NO. 1035 “Changes to Three Decimal for Loss Costs and Expected Loss Rates.”

[24] See n. 16, 17, and 18, NYCIRB Circular R.C.2597 “Transition to Three Decimal Places for Loss Costs Values and Expected Loss Rates Effective Date: October 1, 2025.” NJCRIB Circular Letter #2068 “Decimal Extension of Rates and Excess Elements.” MWCIA Circular Letter No.24-1836 “Decimal Extension of Pure Premium Base Rates & Expected Loss Rates.”