Workers' Comp Rates for Nursing Home - All Employees (Class Code 8829)
Last verified: 2026-07-24 · 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
National Avg Rate
$5.62
per $100 payroll
Most Expensive States
- New York$7.61
- Alaska$7.46
- California$7.09
Rates by State for Class Code 8829
47 jurisdictions rate this code per $100 of payroll. 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 | Rate per $100 | vs. National Avg | Effective |
|---|---|---|---|
| Indiana | $4.10 | -1.52 | 2026-01-01 |
| Texas | $4.14 | -1.48 | 2026-07-01 |
| Virginia | $4.36 | -1.26 | 2026-04-01 |
| Utah | $4.46 | -1.16 | 2026-02-01 |
| Arkansas | $4.62 | -1.00 | 2026-07-01 |
| Colorado | $4.67 | -0.95 | 2026-01-01 |
| Tennessee | $4.78 | -0.84 | 2026-03-01 |
| Arizona | $4.83 | -0.79 | 2026-01-01 |
| South Dakota | $4.88 | -0.74 | 2026-07-01 |
| Nebraska | $4.93 | -0.69 | 2026-02-01 |
| North Carolina | $4.93 | -0.69 | 2026-04-01 |
| Idaho | $4.99 | -0.63 | 2026-01-01 |
| Kansas | $5.04 | -0.58 | 2026-01-01 |
| Mississippi | $5.09 | -0.53 | 2026-03-01 |
| New Mexico | $5.15 | -0.47 | 2026-01-01 |
| South Carolina | $5.20 | -0.42 | 2025-04-01 |
| Kentucky | $5.25 | -0.37 | 2026-01-01 |
| Iowa | $5.36 | -0.26 | 2026-01-01 |
| Missouri | $5.41 | -0.21 | 2026-01-01 |
| Nevada | $5.46 | -0.16 | 2026-03-01 |
| Georgia | $5.51 | -0.11 | 2026-03-01 |
| Maryland | $5.51 | -0.11 | 2026-01-01 |
| Oregon | $5.57 | -0.05 | 2026-01-01 |
| West Virginia | $5.62 | +0.00 | 2026-01-01 |
| Alabama | $5.67 | +0.05 | 2026-03-01 |
| Minnesota | $5.67 | +0.05 | 2026-01-01 |
| New Hampshire | $5.67 | +0.05 | 2026-01-01 |
| Delaware | $5.78 | +0.16 | 2025-12-01 |
| Maine | $5.78 | +0.16 | 2025-04-01 |
| Wisconsin | $5.78 | +0.16 | 2025-10-01 |
| Michigan | $5.88 | +0.26 | 2026-01-01 |
| Vermont | $5.88 | +0.26 | 2026-04-01 |
| Rhode Island | $5.99 | +0.37 | 2026-08-01 |
| Florida | $6.04 | +0.42 | 2026-01-01 |
| Montana | $6.04 | +0.42 | 2026-07-01 |
| District of Columbia | $6.19 | +0.57 | 2026-01-01 |
| Massachusetts | $6.19 | +0.57 | 2024-07-01 |
| Oklahoma | $6.19 | +0.57 | 2026-01-01 |
| Illinois | $6.30 | +0.68 | 2026-01-01 |
| Connecticut | $6.41 | +0.79 | 2026-01-01 |
| Louisiana | $6.56 | +0.94 | 2026-05-01 |
| Hawaii | $6.72 | +1.10 | 2026-01-01 |
| Pennsylvania | $6.72 | +1.10 | 2026-04-01 |
| New Jersey | $6.83 | +1.21 | 2026-01-01 |
| California | $7.09 | +1.47 | 2025-09-01 |
| Alaska | $7.46 | +1.84 | 2026-01-01 |
| New York | $7.61 | +1.99 | 2025-10-01 |
How Class Code 8829 Rates Are Spread Across the States
Across 47 states, the estimated workers' comp rate for NCCI class code 8829 (Nursing Home - All Employees) ranges from $4.10 to $7.61 per $100 of payroll, with a national average of $5.62 and a median of $5.62. Each bar counts the states whose estimated rate falls in that range — shaded cheaper (green) to pricier (red). The dashed line marks the national average.
Distribution across 47 states. Rates are illustrative estimates (NCCI base rate × state rate multiplier) derived from published NCCI loss costs and state rating-bureau filings (retrieved 2026-07-24). They are estimates, not quotes — see our rate disclaimer.
View the rate distribution as a data table
| Rate range / $100 | States | Which states |
|---|---|---|
| $4.10–$4.54 | 4 | Indiana, Texas, Virginia, Utah |
| $4.54–$4.98 | 7 | Arkansas, Colorado, Tennessee, Arizona, South Dakota, Nebraska, North Carolina |
| $4.98–$5.42 | 8 | Idaho, Kansas, Mississippi, New Mexico, South Carolina, Kentucky, Iowa, Missouri |
| $5.42–$5.86 | 11 | Nevada, Georgia, Maryland, Oregon, West Virginia, Alabama, Minnesota, New Hampshire, Delaware, Maine, Wisconsin |
| $5.86–$6.29 | 8 | Michigan, Vermont, Rhode Island, Florida, Montana, District of Columbia, Massachusetts, Oklahoma |
| $6.29–$6.73 | 5 | Illinois, Connecticut, Louisiana, Hawaii, Pennsylvania |
| $6.73–$7.17 | 2 | New Jersey, California |
| $7.17–$7.61 | 2 | Alaska, New York |
| Summary | 47 | Min $4.10 · Median $5.62 · Avg $5.62 · Max $7.61 |
The rates above are manual rates — step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or estimate premium for code 8829 with your own 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.
As of July 24, 2026, NYCIRB publishes a $2.374 loss cost per $100 of payroll for New York class 8829, effective October 1, 2025, while NJCRIB publishes a $4.165 manual rate and $1,200 minimum premium effective January 1, 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 the rate table as a premium estimate.
Rate and Audit Records for Nursing Homes
The rate table on this page is a filing-based comparison model, 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 current 2.374 loss cost 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 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?
- The national average rate for class code 8829 is $5.62 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($4.10), Texas ($4.14), Virginia ($4.36). Most expensive: New York ($7.61), Alaska ($7.46), California ($7.09). Actual premium depends on your state, payroll, experience modifier, and carrier. 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. As verified July 24, 2026, NYCIRB lists a 2.374 loss cost effective October 1, 2025 for New York, and NJCRIB lists a 4.165 manual rate with a $1,200 minimum premium effective January 1, 2026 for New Jersey. 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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