These insurance policies help pay for medical expenses, missed wages, or funeral expenses of an injured employee. Each state creates its own statutes for workers’ compensation. The National Council on Compensation Insurance (NCCI) is a national rating and data collection bureau specializing in workers’ compensation. Experience Modifications (E-mods) are summaries of an organization’s prior losses and payroll versus the industry average. Monitoring an E-mod can be critical for an organization to control its costs.