Test modifier

{
  "id": "MLC-T-INS-003312",
  "term": "Test modifier",
  "field": "Insurance and risk management",
  "definition": "A hypothetical experience modification factor calculated to assess the potential impact of changes in an employer's payroll, losses, or classification codes on their workers' compensation premium. This allows employers and insurers to project future premiums under different scenarios. It is not the actual modifier applied to the policy.",
  "subject": "Workers Compensation",
  "url": "https://mlchart.com/terminology/insurance/test-modifier/"
}