Disease loading

{
  "id": "MLC-T-INS-001192",
  "term": "Disease loading",
  "field": "Insurance and risk management",
  "definition": "An additional charge applied to workers' compensation insurance premiums to account for the increased risk of occupational diseases within a specific industry or for certain job classifications. This adjustment reflects the higher potential for claims related to long-term exposure to hazardous substances or conditions. It is calculated based on actuarial data and the historical incidence of disease in similar work environments.",
  "subject": "Workers Compensation",
  "url": "https://mlchart.com/terminology/insurance/disease-loading/"
}