PA Workers Comp Calculator
ADULT SHELTER OR HALFWAY HOUSE
2026 PCRB Loss Cost
The official PCRB loss cost for class code 986 is $0.695 per $100 of annual payroll, effective April 1, 2026. This is the base pure-loss component before applying your carrier's Loss Cost Multiplier (LCM), Experience Modifier (EMR), expense constant, and PA Act 57 assessment.
Estimated 2026 Premium Examples
Based on typical assumptions: LCM 1.50 · EMR 1.00 · 100/500/100 employer liability limits. Actual premiums will vary by carrier and individual risk factors.
| Annual Payroll | Manual Premium | Total Est. Cost (incl. $350 + PA 2.18%) |
|---|---|---|
| $50,000 | $521 | $890 |
| $100,000 | $1,043 | $1,423 |
| $250,000 | $2,606 | $3,021 |
| $500,000 | $5,212 | $5,684 |
| $1,000,000 | $10,425 | $11,010 |
* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%
About Class Code 986: ADULT SHELTER OR HALFWAY HOUSE
Pennsylvania workers' compensation class code 986 covers operations classified as ADULT SHELTER OR HALFWAY HOUSE. It belongs to Hazard Group A, which the PCRB uses to group similar-risk occupations for statistical credibility in ratemaking.
When your workers' comp policy is issued, your insurer assigns a class code to each group of employees based on the work they actually perform. Using the correct class code is critical: under-classification can lead to coverage gaps and audit surcharges; over-classification means you're paying more than required.
With a moderate loss cost of $0.695 per $100 payroll, this classification reflects moderate occupational exposure — some physical activity but limited severe-injury risk.
How to Reduce Your Workers' Comp Premium for This Code
Hazard Group A covers the lowest-risk occupations — primarily clerical, professional, and office-based work with minimal physical hazard.
- Segregate clerical payroll on your policy
If any employees share dual roles (e.g., a field technician who also does 30% office work), document that split carefully. Payroll properly allocated to Code 953 (Office) carries one of the lowest rates in Pennsylvania — every dollar correctly assigned to clerical reduces your blended premium. - Shop your renewal aggressively — Group A codes see the widest LCM spread
Because Group A codes represent low-risk, desirable business for carriers, Loss Cost Multipliers for these codes vary more between insurers than for high-hazard codes. The difference between a competitive LCM (around 1.2) and a complacent renewal LCM (1.6–1.8) can be 30–40% on the same payroll. - Implement an ergonomics program to keep EMR at 1.0 or below
Even in low-hazard offices, repetitive strain and ergonomic injuries (wrist, shoulder, back) are the dominant claim type. A documented ergonomics program — including workstation assessments and regular stretch breaks — is the most cost-effective way to prevent claims and maintain a favorable Experience Modifier. - Verify remote worker classification carefully
Telecommuting clerical employees have a dedicated code (Code 822) that may carry different rates than the standard office code. With remote work common in Group A occupations, ensuring remote employees are correctly coded prevents audit adjustments at year-end.
Use the Full Calculator for Code 986
Enter your actual payroll, LCM, EMR, and employer liability limit for a personalized estimate using your specific inputs.
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