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A new name applied by the NAIC, National Association of Insurance Commissioners, to organizations previously known as rating bureaus. This is their effort to more accurately reflect the rate information gathering and policy form development responsibilities that these organizations represent.

Advisory organizations vary from state to state. For example, the largest advisory organization who is used by most states is NCCI, the National Council on Compensation Insurance. They provide workers compensation advisory services to somewhere around 35 states. Here's the other advisory organization:

• The Workers Compensation Insurance Rating Bureau of California
• Indiana Compensation Rating Bureau
• Delaware Compensation Rating Bureau
• Maryland Injured Workers Insurance Fund and NCCI
• The Workers' Compensation Rating and Inspection Bureau of Massachusetts
• Compensation Advisory Organization of Michigan
• New Jersey Compensation Rating and Inspection Bureau
• The New York Compensation Insurance Rating Board
• North Carolina Rate Bureau
• North Dakota Workforce Safety & Insurance
• Ohio Bureau of Workers' Compensation
• Pennsylvania Compensation Rating Bureau
• Washington State Department of Labor and Industries
• The Wisconsin Compensation Rating Bureau
• Wyoming Workers' Safety and Compensation Division

These other workers compensation advisory organizations beat to their own drum. Many are very unique to their specific state. Others are very similar to the NCCI system. Whatever your state, it's these organizations that make rates, calculate experience mods and make suggestions to state politicians as to corrections or modifications in the daily grind of workers compensation.