--- title: Elimination of the Anniversary Rating Date Rule description: Learn about the elimination of the Anniversary Rating Date Rule by NCCI in workers' compensation policies, impacting employers and policies nationwide. image: https://education.veritasrm.com/hubfs/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg --- [Skip to the main content.](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule#main-content) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png?width=679&height=124&name=Screenshot_2022-07-27_161347-removebg-preview.png "Veritas Insurance")](https://veritasrm.com/) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/veritasrm-1.png?width=1000&height=145&name=veritasrm-1.png "Veritas Insurance")](https://veritasrm.com/) - Get Insurance - [Business Insurance](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) Search *Search* Toggle Menu Search *Search* Toggle Menu - Get Insurance *Toggle Menu* - [Business Insurance *Toggle Menu*](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us *Toggle Menu* - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team *Toggle Menu*](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) [*Facebook*](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule#0) [*Instagram*](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule#0) [*LinkedIn*](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule#0) [*Twitter*](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule#0) [*Youtube*](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule#0) [*Medium*](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule#0) 2 min read # Elimination of the Anniversary Rating Date Rule [![Picture of Andrew Darlington](https://education.veritasrm.com/hubfs/DarlingtonFace.jpg) Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : May 1, 2025 at 10:33 AM [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) ![Elimination of the Anniversary Rating Date Rule](https://education.veritasrm.com/hubfs/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg) ### Click Below and Listen To "Elimination of the Anniversary Rating Date Rule" The National Council on Compensation Insurance, Inc. (NCCI) eliminated the anniversary rating date (ARD) rule on May 1, 2017. The ARD is defined as the effective month and day of a workers’ compensation policy and each anniversary thereafter unless a different date has been established by NCCI or another licensed rating organization.   This Work Comp Insights will answer common questions regarding the ARD rule and explain the NCCI’s reason for eliminating it. ## Background When the ARD rule originated in 1923, its purpose was to ensure that in the event of a midterm policy cancellation, the rewritten policy uses the same rates that applied to the canceled policy.  Consider the following example: An employer has a full-term policy effective Jan. 1, 2015, with a Jan. 1, 2015, ARD. The policy is canceled short term, effective Aug. 15, 2015.  The rewritten policy is a full-term policy effective Aug. 15, 2015, through Aug. 15, 2016.  The policy would use the following two sets of rates: Jan. 1, 2015, rates would apply from Aug. 15, 2015, through Jan. 1, 2016. Jan. 1, 2016, rates would apply from Jan. 1, 2016, through Aug. 15, 2016.  Under the change, the rewritten policy effective on Aug. 15, 2015, uses rates effective on that date, not the rates effective on Jan. 1, 2015. In most cases, the rates would not have changed between the original effective date and the cancellation date, so the initial rates would continue to apply. However, if a rate change was approved during the time between the original effective date and the cancellation date, the new rates as of Aug. 15, 2015, would be applied to the rewritten policy.    ## Reason for Elimination The NCCI eliminated the ARD because it is a source of confusion for employers, as it is unique to workers’ compensation policies.   ## Effective Date The ARD was eliminated for new and renewal policies effective May 1, 2017. The effective date will be the same across the country to make it less confusing for employers who have employees across state lines.    ## Impact on Employers Under the ARD rule, if an employer was to cancel its policy in the middle of the term due to an approved rate decrease, the employer would have to wait until the policy’s original effective date (the ARD) in order to benefit from the rate decrease. In contrast, with the elimination of the ARD, the employer would benefit from the lower rate as soon as it obtains a new policy to replace the one canceled midterm.  Employers should feel a very limited impact from this elimination since approximately 90% of policies nationwide has an ARD that is the same as the policy effective date. Those that are affected by a cancellation will see the new rates, rules and classifications on their new policies.  - [Tweet](https://twitter.com/share) [![Roofer Workers' Comp Insurance](https://education.veritasrm.com/hubfs/Get%20Covered%20Roofers%20Workers%20Comp%20Insurance.png)](https://education.veritasrm.com/roofers-workers-comp-insurance) 5 min read #### [Roofer Workers' Comp Insurance](https://education.veritasrm.com/roofers-workers-comp-insurance) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : July 12, 2024 at 1:26 PM Get Covered: Roofers Workers' Comp Insurance Roofing is a demanding and risky industry, with workers' often exposed to hazardous conditions... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [Read More](https://education.veritasrm.com/roofers-workers-comp-insurance) [![The Employer's Liability](https://education.veritasrm.com/hubfs/Are%20you%20Covered%3F%20road%20sign%20with%20sun%20background.jpeg)](https://education.veritasrm.com/the-employers-liability) #### [The Employer's Liability](https://education.veritasrm.com/the-employers-liability) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : July 1, 2024 at 10:23 AM [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [Read More](https://education.veritasrm.com/the-employers-liability) [![Common Homeowners Insurance Claims: What Every Homeowner Should Know](https://education.veritasrm.com/hubfs/image.png)](https://education.veritasrm.com/common-homeowners-insurance-claims-guide) 7 min read #### [Common Homeowners Insurance Claims: What Every Homeowner Should Know](https://education.veritasrm.com/common-homeowners-insurance-claims-guide) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : July 6, 2026 at 6:00 AM For most families, a home is their largest financial investment. While homeowners insurance cannot prevent unexpected events, it can help protect... [Erie Life Insurance](https://education.veritasrm.com/tag/erie-life-insurance) [Read More](https://education.veritasrm.com/common-homeowners-insurance-claims-guide) ##### Site Navigation Site Navigation - [Home](https://veritasrm.com) - [Personal](https://veritasrm.com/personal/) - [Business](https://veritasrm.com/insure-your-business/business-insurance/) - [About us](https://veritasrm.com/meet-our-team/) - [Contact us](https://veritasrm.com/contact-us/) - [Blog](https://veritasrm.com/blog/) - [Service Center](https://veritasrm.com/service-center/) ##### Contact Contact - [4451 North Roan Street Suite #201](https://www.google.com/maps/place/Veritas+Risk+Management+and+Insurance+Services/@36.3843639,-82.4100702,15z/data=!4m14!1m7!3m6!1s0x885a881f771d2425:0xf3c063745e16f772!2sVeritas+Risk+Management+and+Insurance+Services!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4!3m5!1s0x885a881f771d2425:0xf3c063745e16f772!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4) - [Johnson City, TN 37615](https://www.google.com/maps/place/4451+N+Roan+St+%23201,+Johnson+City,+TN+37615/@36.38462,-82.4098307,17z/data=!3m1!4b1!4m6!3m5!1s0x885a8815fdb65d9d:0xf09c719d3519939!8m2!3d36.38462!4d-82.4098307!16s%2Fg%2F11n_yvqhzc) - [(423) 292-4142](tel:423-292-4142) - [help@VeritasRM.com](mailto:help@VeritasRM.com) - [Monday - Friday 8:30a - 5:00p](https://Veritasrm.com) - [Career Opportunities](https://veritasrm.com/career-opportunities/) [![Screenshot\_2022-07-27\_161347-removebg-preview](https://education.veritasrm.com/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png)](https://veritasrm.com/) © 2026 All Rights Reserved ©2022 Veritas Risk Management & Insurance Services [*Facebook*](https://www.facebook.com/veritasrm/)[*Twitter*](https://twitter.com/veritas_ins)[*Instagram*](https://www.instagram.com/veritasriskmanagement/?hl=en)[*LinkedIn*](https://www.linkedin.com/company/veritasrm)[*YouTube*](https://www.youtube.com/c/VeritasRiskManagementIncJohnsonCity) *Return to Top* ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Andrew Darlington", "url" : "https://education.veritasrm.com/author/andrew-darlington" }, "dateModified" : "2025-05-01T14:33:00.406Z", "datePublished" : "2025-05-01T14:33:00.000Z", "headline" : "Elimination of the Anniversary Rating Date Rule", "image" : [ "https://education.veritasrm.com/hubfs/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg" ], "mainEntityOfPage" : { "@id" : "https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://education.veritasrm.com/hubfs/LOGO.png" }, "name" : "Veritas Risk Management, Inc." } } ```