Workers' Comp Rates for Nursing Home - All Employees (Class Code 8829)
Last verified: 2026-10-05 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers nursing home and skilled nursing facility employees including CNAs, nurses, and aides.
Common Businesses
Hazard Group
C
Filed Figures Published
2
states · class percentile 40
Filed Figures for Class Code 8829 in the States That Publish Them
Copied from each state's own regulator or rating bureau filing, per $100 of payroll. A loss cost is what the filing calls it — your insurer multiplies it by its own loss cost multiplier; a rate is a manual rate. States not listed publish no per-class figure this site has transcribed.
Judged only from filed tables, code 8829 has a class percentile of 40 (0 = the cheapest class, 100 = the most expensive) across the 2 filings that list it.
How States Rank for Class Code 8829
Cost index 1.00 = the median of the 47 rated states. It is a relative position from this site’s model, not a price, and it does not vary by class code; a state’s filed figure, where it publishes one, is shown beside it. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
| State | Cost index | Filed figure | Filing effective |
|---|---|---|---|
| Indiana | 0.73 | — | 2026-01-01 |
| Texas | 0.74 | — | 2026-07-01 |
| Virginia | 0.78 | — | 2026-04-01 |
| Utah | 0.79 | — | 2026-02-01 |
| Arkansas | 0.82 | — | 2026-07-01 |
| Colorado | 0.83 | — | 2026-01-01 |
| South Dakota | 0.83 | — | 2026-07-01 |
| Arizona | 0.86 | — | 2026-01-01 |
| Nebraska | 0.88 | — | 2026-02-01 |
| North Carolina | 0.88 | — | 2026-04-01 |
| Idaho | 0.89 | — | 2026-01-01 |
| Tennessee | 0.89 | — | 2026-10-01 |
| Kansas | 0.90 | — | 2026-01-01 |
| Mississippi | 0.91 | — | 2026-03-01 |
| New Mexico | 0.92 | — | 2026-01-01 |
| Kentucky | 0.93 | — | 2026-01-01 |
| South Carolina | 0.93 | — | 2026-04-01 |
| Iowa | 0.95 | — | 2026-01-01 |
| Missouri | 0.96 | — | 2026-01-01 |
| Nevada | 0.97 | — | 2026-03-01 |
| Georgia | 0.98 | — | 2026-03-01 |
| Maryland | 0.98 | — | 2026-01-01 |
| Oregon | 0.99 | — | 2026-01-01 |
| West Virginia | 1.00 | — | 2026-01-01 |
| Alabama | 1.01 | — | 2026-03-01 |
| Minnesota | 1.01 | — | 2026-01-01 |
| New Hampshire | 1.01 | — | 2026-01-01 |
| Wisconsin | 1.01 | $1.707 rate | 2026-10-01 |
| Delaware | 1.03 | — | 2025-12-01 |
| Maine | 1.03 | — | 2025-04-01 |
| Rhode Island | 1.04 | — | 2026-08-01 |
| Michigan | 1.05 | — | 2026-01-01 |
| Vermont | 1.05 | — | 2026-04-01 |
| New York | 1.06 | $1.836 loss cost | 2026-10-01 |
| Florida | 1.07 | — | 2026-01-01 |
| Montana | 1.07 | — | 2026-07-01 |
| District of Columbia | 1.10 | — | 2026-01-01 |
| Massachusetts | 1.10 | — | 2024-07-01 |
| Oklahoma | 1.10 | — | 2026-01-01 |
| Illinois | 1.12 | — | 2026-01-01 |
| Connecticut | 1.14 | — | 2026-01-01 |
| Louisiana | 1.17 | — | 2026-05-01 |
| Hawaii | 1.20 | — | 2026-01-01 |
| Pennsylvania | 1.20 | — | 2026-04-01 |
| New Jersey | 1.21 | — | 2026-01-01 |
| Alaska | 1.33 | — | 2026-01-01 |
| California | 1.34 | — | 2026-09-01 |
A filed rate — or a loss cost times your insurer's multiplier — is step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or work out premium for code 8829 with your own rate, payroll and experience mod.
Related Class Codes
8832
Physician & Clerical
Hazard Group: B
8835
Home Health Care Services
Hazard Group: C
8824
Dental Office - All Employees
Hazard Group: B
8833
Hospital - Professional Employees
Hazard Group: C
8842
Veterinary Office - All Employees
Hazard Group: C
About Class Code 8829: Scope, Inclusions, and Common Misclassifications
Workers' compensation class code 8829 is the facility-based long-term-care classification commonly phrased "Convalescent or Nursing Home — All Employees." It follows the nursing-home operation rather than one job title: New York's official scope includes physicians, registered and practical nurses, dietitians, aides, cooks, housekeeping, laundry, maintenance, security, and other employees who operate the home. That all-employee structure is what separates 8829 from healthcare codes that divide professional and support payroll.
NYCIRB's filed loss cost for New York class 8829 is $1.836 per $100 of payroll for policies effective on or after October 1, 2026 — down 22.7% from the $2.374 the October 1, 2025 filing carried — while NJCRIB publishes a $4.165 manual rate and $1,200 minimum premium effective January 1, 2026 (the New Jersey value as verified July 24, 2026). Those are different bureau filing values — a New York loss cost versus a New Jersey manual rate — not interchangeable carrier quotes. They are useful because they show why an employer must use the governing state's manual instead of treating 8829 as one national price.
What Class Code 8829 Includes
8829 applies to an employer operating a convalescent or nursing home where residents receive facility-based nursing and personal care. NYCIRB's interpretation includes the clinical workforce — doctors, registered nurses, licensed practical nurses, dietitians, and aides — together with cooks, housekeeping, laundry, maintenance, security, and other employees needed to run the home. Patient feeding, bathing, dressing, room cleaning, laundry, medication administration, meal preparation, and building maintenance are all contemplated within the same facility operation.
The phrase "all employees" matters at audit. A nursing home should not automatically split cooks, housekeepers, maintenance staff, or other support employees into lighter classifications merely because their individual duties are non-clinical. The governing bureau's manual controls any exception. Keep payroll by location and operation so a genuine separately rated business can be shown without dividing one employee's wages simply to reach a lower-looking code.
8829 vs 8835, 8833, and 9040
Location and employer control draw the first boundary. A freestanding nursing or convalescent home is the 8829 exposure; caregivers who travel to patients' private residences belong in a home-health classification such as 8835 home health care or the state's local equivalent. A business that operates both a residential facility and a traveling-care division should maintain separate payroll, schedules, and service records for the two operations.
The hospital boundary is different. NYCIRB directs a nursing or convalescent home operated by a hospital at the same or an adjacent location into the hospital pair: 8833 hospital professional employees for professional staff and 9040 hospital all other employees for support staff. An outpatient physician practice that does not provide inpatient overnight care instead belongs in a class such as 8832 physician and clerical. The clean audit question is therefore facility type, employer of record, and whether the long-term-care operation is freestanding or part of the hospital campus.
Assisted Living and State-Specific 8829 Rules
Do not assume every senior-living operation is 8829. Wisconsin's WCRB lists 8829 for convalescent or nursing homes, homes for the aged, and rest homes, but separately divides retirement-living-center healthcare, food-service, and all-other employees among codes 8824, 8825, and 8826. New Jersey uses 8829 for an assisted-living facility only when it provides on-site intermediate or skilled healthcare; an independent-living operation run alongside it is separately rated under New Jersey's building-operation rule.
Those state differences make the facility's actual care model more important than its marketing label. Document whether licensed nursing or skilled care is provided on site, whether residents live independently, whether home-health staff travel away from the facility, and whether a hospital owns and operates the home at the same campus. California, New York, New Jersey, Pennsylvania, and other independent-bureau jurisdictions can change the phraseology, employee split, or code number, so confirm the current state manual before using any figure on this page as a premium estimate.
Rate and Audit Records for Nursing Homes
The figures on this page — filed figures from the states that publish them and a relative cost index for the rest — are a comparison aid, not an insurance quote. Actual premium starts with the state's approved loss cost or manual rate and then changes with the carrier's loss-cost multiplier or filed pricing, payroll, experience modification, schedule credits or debits, minimum premium, and any audit reclassification. New York's 1.836 loss cost (effective October 1, 2026) and New Jersey's 4.165 manual rate are intentionally labeled by value type because multiplying or comparing them as though they were the same carrier price would be misleading.
A defensible 8829 audit file identifies every facility, its license and care level, the employer operating it, its relationship to any hospital, and whether employees work in a separate home-health or independent-living operation. Keep department payroll, job descriptions, shift rosters, home-visit schedules, and contracts for separately operated services. Those records support the all-employee facility assignment while preserving legitimate state-manual splits.
Sources
- NYCIRB Bulletin R.C. 2659 (July 15, 2026), Exhibit A — New York filed loss cost for class 8829 is 1.836 per $100 of payroll effective October 1, 2026, against 2.374 under the October 1, 2025 filing (−22.7%); DFS approved a 21.9% decrease in the overall loss cost level (retrieved 2026-10-05)
- NYCIRB Classification Digest — Class 8829 Convalescent or Nursing Home — All Employees (facility scope, included employees, home-health and hospital boundaries) (retrieved 2026-07-24)
- NYCIRB Classification Digest — Class 8829 Dashboard (2.374 loss cost effective October 1, 2025; hazard group B) (retrieved 2026-07-24)
- NJCRIB 2026 Rate & Classification Handbook — Class 8829 (4.165 rate, $1,200 minimum premium, nursing/convalescent and skilled-care assisted-living scope) (retrieved 2026-07-24)
- Wisconsin Compensation Rating Bureau Class Code Descriptions — 8829 and retirement-living-center boundaries (retrieved 2026-07-24)
- Texas Department of Insurance Workers' Compensation Manual — 8829 Convalescent or Nursing Home — All Employees (retrieved 2026-07-24)
Frequently Asked Questions
- What is workers' comp class code 8829?
- Class code 8829 is the facility-based classification commonly phrased "Convalescent or Nursing Home — All Employees." It generally covers the clinical and support workforce operating a nursing home, including nurses, aides, dietitians, cooks, housekeeping, laundry, maintenance, and security. State manuals can change the phraseology or facility boundary, so the governing rating bureau's current rule controls.
- How much is workers' comp insurance for class code 8829?
- It depends on the state, and only some states publish a per-class figure. For class code 8829, the filed figures per $100 of payroll are: Wisconsin $1.707 (rate, WCRB, effective 2026-10-01); New York $1.836 (loss cost, NYCIRB, effective 2026-10-01). A loss cost is not a rate — your insurer multiplies it by its own loss cost multiplier — and every figure is before your experience modification. For other states this site shows a relative cost index, not a dollar figure. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
- What businesses use workers' comp class code 8829?
- Class code 8829 typically applies to Nursing homes, Skilled nursing facilities, Assisted living centers, Long-term care facilities, Memory care homes.
- What is the difference between class codes 8829 and 8835?
- 8829 covers employees working in a nursing or convalescent facility operated by the employer. [8835 home health care](/class-codes/home-health-care-services-8835/) covers caregivers who travel to patients' private residences, subject to state-specific mappings. An employer running both operations should keep separate payroll and service records for the facility and traveling-care divisions.
- Does class code 8829 cover assisted living?
- It depends on the state and the care model. New Jersey places an assisted-living facility in 8829 when it provides on-site intermediate or skilled healthcare, while Wisconsin separates retirement-living-center healthcare, food service, and other employees into codes 8824–8826. The facility's licensed services and the governing state manual matter more than the words "assisted living" in its name.
- What is the workers' comp rate for class code 8829?
- The rate varies by state and carrier. NYCIRB's filed loss cost for New York is 1.836 effective October 1, 2026, down from the 2.374 in force under the prior filing, and NJCRIB lists a 4.165 manual rate with a $1,200 minimum premium effective January 1, 2026 for New Jersey (the New Jersey value as verified July 24, 2026). These are different filing value types, not quotes; actual premium also depends on payroll, carrier pricing, experience modification, and audit classification.
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