Claimants by Reported Injury Grouping
The Reported Injury Grouping (RIG) classification system categorizes claimants based on several factors of the injury; including the type of injury, tissues involved, injury management and resource utilization. This classification is mutually exclusive, as the claimant falls into the group with the highest reported injury code. The RIG’s were developed for the purpose of this exhibit and do not reflect the definitions in the Statutory Accident Benefits Schedule.
RIG Class Definition Description
Muscle strains; and/or Joint/ligament sprains; and/or WAD I/WAD II Excludes muscle/ligament laceration and/or rupture (RIG C)
Peripheral nerve injury; and/or Spinal nerve root injury; and/or Injury impacting peripheral nerves;
and/or WAD III; and/or Intervertebral disc injury
Excludes peripheral nerve laceration (RIG C), spinal nerve root laceration (RIG D2) and cranial nerve injury (RIG D1)
Bone fracture; and/or Joint dislocation; and/or Muscle/tendon laceration ; and/or Ligament rupture;
and/or Peripheral nerve/nerve plexus laceration; and/or Skin avulsion
Excludes cranial nerve injury (RIG D1), spinal fracture and/or dislocation (RIG D2) and spinal nerve root laceration (RIG D2)
D1 Acquired Brain Injury and/or
Cranial Nerve Damage Intracranial injury (including concussion); and/or Cranial nerve injury; and/or Cranial blood vessel injury D2 Spinal Injury and/or Spinal
Cord Injury Spinal fracture; and/or spinal dislocation; and/or spinal cord injury; and/or nerve root laceration D3 Internal and/or Extensive
Injuries
Injury to internal organs; and/or Crush injuries; and/or Traumatic amputations; and/or Burns; and/or Corrosive injuries
Multiple injuries consisting of more than one injury from at least two of RIGs D1 and/or D2 and/or D3; i.e.
D1+D2 or D2+D3 or D1+D3 or D1+D2+D3
E.g., Concussion + Fracture of C5-C7 vertebrae; or Fracture of C5-C7 vertebrae + Laceration and puncture of lung; or Concussion + Laceration and puncture of lung; or Concussion + Fracture of C5-C7 vertebrae + Laceration and puncture of lung.
Does not apply to multiple injuries from any one RIG
F Other Diseases, condition and/or symptoms not specified or unspecified Fractures, Dislocations and/or
Extensive Soft Tissue Injury C
E Multiple Major Injury
RIG Classification System
Injury with Peripheral Nerve Involvement Strains and/or Sprains A
B
Percentage of Claimants having Treatments by Reported Injury Grouping Based on claim transactions between the Accident Date and December 31, 2020
70.9%
Accidents between January 1 - December 31, 2013
Total Number of Claimants with Treatments 58,475 6.1% 6.6% 7.0%
12.0% 70.5%
6.3% 6.4% 8.0%
Accidents between January 1 - December 31, 2014
Total Number of Claimants with Treatments 59,460 6.3% 6.4%
Accidents between January 1 - December 31, 2015
Total Number of Claimants with Treatments 65,015 6.6% 6.3%
12.0% 68.7%
6.5% 6.2%
Accidents between January 1 - December 31, 2016
Total Number of Claimants with Treatments 69,176 6.5% 6.2%
1455 1518 1981 1698 2101 2419 2846
1307
Accidents between January 1 - June 30, 2018
A. Sprain/Strains only B. PNI C. Fract/Disloc/Ext STI D1. ABI/CNI D2. Spinal Inj/SCI D3. Ext/Int Inj E. Multi Mj Inju F. Other
RIG Class *Pl ease refer to the first page of HCDB Report for the definition of the RIG Cl ass
Percentage of Claimants having Treatments by Reported Injury Grouping Based on claim transactions between the Accident Date and December 31, 2020
69.9%
Accidents between January 1 - December 31, 2017
Total Number of Claimants with Treatments 71,066 5.5% 5.9%
12.0% 70.3%
5.2% 5.6%
Accidents between January 1 - December 31, 2018
Total Number of Claimants with Treatments 70,764 5.2% 5.6%
Accidents between January 1 - December 31, 2019
Total Number of Claimants with Treatments 70,311 4.5% 5.3%
12.0% 70.0%
3.9% 6.1%
Accidents between January 1 - December 31, 2020
Total Number of Claimants with Treatments 28,442 3.9%
1455 1518 1981 1698 2101 2419 2846
1307
Accidents between January 1 - June 30, 2018
A. Sprain/Strains only B. PNI C. Fract/Disloc/Ext STI D1. ABI/CNI D2. Spinal Inj/SCI D3. Ext/Int Inj E. Multi Mj Inju F. Other
RIG Class *Pl ease refer to the first page of HCDB Report for the definition of the RIG Cl ass
Average Amount Paid per Claimant having Treatments by Reported Injury Grouping Based on claim transactions between the Accident Date and December 31, 2020
3338 6489 8888
15580
12371 10778 54968
Accidents between January 1 - December 31, 2013
3538
6818 9163 15311
Accidents between January 1 - December 31, 2014
3778
7126 9550 14850
12034 11811 46849
Accidents between January 1 - December 31, 2015
3786 6725 9465 12690 11423 11409 42892
Accidents between January 1 - December 31, 2016
1455 1518 1981 1698 2101 2419 2846
1307
Accidents between January 1 - June 30, 2018
A. Sprain/Strains only B. PNI C. Fract/Disloc/Ext STI D1. ABI/CNI D2. Spinal Inj/SCI D3. Ext/Int Inj E. Multi Mj Inju F. Other
RIG Class *Pl ease refer to the first page of HCDB Report for the definition of the RIG Cl ass
Average Amount Paid per Claimant having Treatments by Reported Injury Grouping Based on claim transactions between the Accident Date and December 31, 2020
3653 5851
8934 10596 10122 11349 29725
Accidents between January 1 - December 31, 2017
3450 5582 8335 8853 9646 10124
23195
Accidents between January 1 - December 31, 2018
2915 4178 6406 6044 7362 7448
14548
Accidents between January 1 - December 31, 2019
1860 2226 3179 2939 3437 3478 5832
1670
Accidents between January 1 - December 31, 2020
1455 1518 1981 1698 2101 2419 2846
1307
Accidents between January 1 - June 30, 2018
A. Sprain/Strains only B. PNI C. Fract/Disloc/Ext STI D1. ABI/CNI D2. Spinal Inj/SCI D3. Ext/Int Inj E. Multi Mj Inju F. Other
RIG Class *Pl ease refer to the first page of HCDB Report for the definition of the RIG Cl ass
Treatments by Reported Injury Grouping and Accident Date
Based on claim transactions between the Accident Date and December 31, 2020 All Claimants
Reported Injury Grouping
Number of Claimants
Percent of Total Claimants
Insurer Paid
Percent of Total Insurer
Paid
Average Insurer Paid per Claimant
A. Sprain/Strains only 41,455 70.9% 138,361,739 40.6% 3,338
B. PNI 3,576 6.1% 23,204,888 6.8% 6,489
C. Fract/Disloc/Ext STI 3,887 6.6% 34,547,536 10.1% 8,888
D1. ABI/CNI 4,117 7.0% 64,142,200 18.8% 15,580
D2. Spinal Inj/SCI 754 1.3% 9,327,676 2.7% 12,371
D3. Ext/Int Inj 797 1.4% 8,590,145 2.5% 10,778
E. Multi Mj Inju 974 1.7% 53,539,263 15.7% 54,968
F. Other 2,915 5.0% 8,698,000 2.6% 2,984
Treatment - Subtotal 58,475 100.0% 340,411,448 100.0% 5,821
Accident dates January 1 - December 31, 2013
All Claimants
Reported Injury Grouping
Number of Claimants
Percent of Total Claimants
Insurer Paid
Percent of Total Insurer
Paid
Average Insurer Paid per Claimant A. Sprain/Strains only 41,919 70.5% 148,306,142 40.5% 3,538
B. PNI 3,729 6.3% 25,423,433 6.9% 6,818
C. Fract/Disloc/Ext STI 3,777 6.4% 34,608,047 9.4% 9,163
D1. ABI/CNI 4,765 8.0% 72,957,496 19.9% 15,311
D2. Spinal Inj/SCI 758 1.3% 9,572,647 2.6% 12,629
D3. Ext/Int Inj 651 1.1% 6,713,120 1.8% 10,312
E. Multi Mj Inju 1,076 1.8% 60,160,336 16.4% 55,911
F. Other 2,785 4.7% 8,788,946 2.4% 3,156
Treatment - Subtotal 59,460 100.0% 366,530,168 100.0% 6,164 Accident dates January 1 - December 31, 2014
Treatments by Reported Injury Grouping and Accident Date
Based on claim transactions between the Accident Date and December 31, 2020 All Claimants
Reported Injury Grouping
Number of Claimants
Percent of Total Claimants
Insurer Paid
Percent of Total Insurer
Paid
Average Insurer Paid per Claimant
A. Sprain/Strains only 45,220 69.6% 170,863,478 41.5% 3,778
B. PNI 4,282 6.6% 30,512,626 7.4% 7,126
C. Fract/Disloc/Ext STI 4,120 6.3% 39,344,980 9.5% 9,550
D1. ABI/CNI 5,795 8.9% 86,054,911 20.9% 14,850
D2. Spinal Inj/SCI 932 1.4% 11,215,243 2.7% 12,034
D3. Ext/Int Inj 773 1.2% 9,129,959 2.2% 11,811
E. Multi Mj Inju 1,193 1.8% 55,890,350 13.6% 46,849
F. Other 2,700 4.2% 9,019,812 2.2% 3,341
Treatment - Subtotal 65,015 100.0% 412,031,359 100.0% 6,337
Accident dates January 1 - December 31, 2015
All Claimants
Reported Injury Grouping
Number of Claimants
Percent of Total Claimants
Insurer Paid
Percent of Total Insurer
Paid
Average Insurer Paid per Claimant
A. Sprain/Strains only 47,522 68.7% 179,917,780 42.4% 3,786
B. PNI 4,486 6.5% 30,166,421 7.1% 6,725
C. Fract/Disloc/Ext STI 4,259 6.2% 40,313,378 9.5% 9,465
D1. ABI/CNI 6,876 9.9% 87,256,502 20.6% 12,690
D2. Spinal Inj/SCI 1,072 1.5% 12,245,497 2.9% 11,423
D3. Ext/Int Inj 787 1.1% 8,978,512 2.1% 11,409
E. Multi Mj Inju 1,302 1.9% 55,845,537 13.2% 42,892
F. Other 2,872 4.2% 9,821,064 2.3% 3,420
Treatment - Subtotal 69,176 100.0% 424,544,692 100.0% 6,137
Accident dates January 1 - December 31, 2016
Treatments by Reported Injury Grouping and Accident Date
Based on claim transactions between the Accident Date and December 31, 2020 All Claimants
Reported Injury Grouping
Number of Claimants
Percent of Total Claimants
Insurer Paid
Percent of Total Insurer
Paid
Average Insurer Paid per Claimant
A. Sprain/Strains only 49,697 69.9% 181,529,218 46.8% 3,653
B. PNI 3,933 5.5% 23,012,119 5.9% 5,851
C. Fract/Disloc/Ext STI 4,224 5.9% 37,736,835 9.7% 8,934
D1. ABI/CNI 7,643 10.8% 80,982,320 20.9% 10,596
D2. Spinal Inj/SCI 943 1.3% 9,544,589 2.5% 10,122
D3. Ext/Int Inj 779 1.1% 8,840,670 2.3% 11,349
E. Multi Mj Inju 1,260 1.8% 37,453,155 9.7% 29,725
F. Other 2,587 3.6% 8,463,286 2.2% 3,271
Treatment - Subtotal 71,066 100.0% 387,562,193 100.0% 5,454
Accident dates January 1 - December 31, 2017
All Claimants
Reported Injury Grouping
Number of Claimants
Percent of Total Claimants
Insurer Paid
Percent of Total Insurer
Paid
Average Insurer Paid per Claimant
A. Sprain/Strains only 49,737 70.3% 171,611,552 49.2% 3,450
B. PNI 3,657 5.2% 20,412,665 5.8% 5,582
C. Fract/Disloc/Ext STI 3,997 5.6% 33,315,170 9.5% 8,335
D1. ABI/CNI 8,049 11.4% 71,257,851 20.4% 8,853
D2. Spinal Inj/SCI 873 1.2% 8,421,009 2.4% 9,646
D3. Ext/Int Inj 734 1.0% 7,431,095 2.1% 10,124
E. Multi Mj Inju 1,248 1.8% 28,947,199 8.3% 23,195
F. Other 2,469 3.5% 7,548,555 2.2% 3,057
Treatment - Subtotal 70,764 100.0% 348,945,095 100.0% 4,931
Accident dates January 1 - December 31, 2018
Treatments by Reported Injury Grouping and Accident Date
Based on claim transactions between the Accident Date and December 31, 2020 All Claimants
Reported Injury Grouping
Number of Claimants
Percent of Total Claimants
Insurer Paid
Percent of Total Insurer
Paid
Average Insurer Paid per Claimant
A. Sprain/Strains only 49,849 70.9% 145,288,607 54.0% 2,915
B. PNI 3,179 4.5% 13,282,928 4.9% 4,178
C. Fract/Disloc/Ext STI 3,727 5.3% 23,874,706 8.9% 6,406
D1. ABI/CNI 8,659 12.3% 52,337,912 19.5% 6,044
D2. Spinal Inj/SCI 821 1.2% 6,043,838 2.2% 7,362
D3. Ext/Int Inj 595 0.8% 4,431,518 1.6% 7,448
E. Multi Mj Inju 1,245 1.8% 18,112,481 6.7% 14,548
F. Other 2,236 3.2% 5,621,601 2.1% 2,514
Treatment - Subtotal 70,311 100.0% 268,993,592 100.0% 3,826
Accident dates January 1 - December 31, 2019
All Claimants
Reported Injury Grouping
Number of Claimants
Percent of Total Claimants
Insurer Paid
Percent of Total Insurer
Paid
Average Insurer Paid per Claimant
A. Sprain/Strains only 19,901 70.0% 37,016,659 59.0% 1,860
B. PNI 1,106 3.9% 2,461,445 3.9% 2,226
C. Fract/Disloc/Ext STI 1,747 6.1% 5,553,083 8.9% 3,179
D1. ABI/CNI 3,515 12.4% 10,331,224 16.5% 2,939
D2. Spinal Inj/SCI 384 1.4% 1,319,998 2.1% 3,437
D3. Ext/Int Inj 333 1.2% 1,158,162 1.8% 3,478
E. Multi Mj Inju 590 2.1% 3,440,830 5.5% 5,832
F. Other 866 3.0% 1,446,159 2.3% 1,670
Treatment - Subtotal 28,442 100.0% 62,727,558 100.0% 2,205
Accident dates January 1 - December 31, 2020