A credential for upstream professionals

The technical credential for the people who actually run workers' comp.

You work one stop on this loop. Every decision you make travels the rest of it. WCTP teaches the whole loop, for underwriters, TPAs, claims adjusters, premium auditors and self-insurance funds.

Enroll in WCTP See the curriculum →
WCTP designation seal
  1. Underwriter or self‑insured fundprices the risk
  2. Claims adjuster or TPAsets and moves the reserve
  3. Premium auditorconfirms payroll and class codes
  4. Valuation date18 months after policy inception
  5. Rating bureaucalculates the experience mod

The experience mod from the rating bureau goes back to the underwriter, and the loop starts again.

Most professionals see one stop. The WCTP seal sits where a WCTP holder stands: in the middle, seeing all five.The mod from stop 5 goes back to stop 1. Most professionals only ever see one stop.

Where the silo breaks the loop.

Every stop does its job right. The failure happens between them.

  1. Stop 2A large reserve is setThe adjuster or TPA waits on the doctor. The reserve stays open.
  2. Stop 4The data is valued18 months after inception, the open reserve goes to the bureau as it stands.
  3. Stop 5The mod inflatesThe bureau calculates the mod on the reserve it was given.
  4. Stop 1The risk is mispricedThe underwriter prices on an inflated mod.

Nobody made a mistake inside their own job. The silo did.

Three skills that cover every stop on the loop.

Stops 1, 4 and 5

Mastery of the mod

Work a single injury through the mod by hand, so you know when the number you are pricing on is wrong.

Stop 3

Audit authority

Excluded remuneration, uninsured subcontractors and classification, read straight from the manuals.

Stops 2 and 4

Injury management protocols

How clinical decisions become reserves, and how reserves become mod exposure.

See all 29 modules in the curriculum →

Kevin Ring beside a stack of experience mod worksheets
Kevin Ring
Lead Workers' Comp Analyst, IWCP

Our authority doesn't come from theory. It comes from the worksheets.

For 25 years, the Institute has taken experience mods and premium audits apart, one file at a time. Kevin teaches WCTP from those files, not from slides. Meet the instructors.

1,500+Experience mod worksheets Kevin Ring has personally reviewed
75%Of the premium audits IWCP has reviewed were incorrect

The specifics.

Enrolling a department? Team pricing starts at 5 seats.

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WCTP program details
Format29 on-demand modules across five pillars, 9.5 hours
Built forUnderwriters, TPAs, claims adjusters, premium auditors, self-insurance funds
GuaranteesUnlimited test retakes with feedback. One-time seat transfer if an employee leaves within 6 months. 30-day money-back guarantee. How the guarantees work
Tuition$795 per individual seat, plus a $29/month Help Desk subscription you can cancel any time. Team pricing for 5 or more seats.

You can't navigate this system well while stuck in a silo.

29 modules, 9.5 hours, the whole loop.

Enroll in WCTP Enroll a team →