{
 "rateRows": [
  {
   "year": 2019,
   "rate_pct": 0.4
  },
  {
   "year": 2020,
   "rate_pct": 0.4
  },
  {
   "year": 2021,
   "rate_pct": 0.4
  },
  {
   "year": 2022,
   "rate_pct": 0.6
  },
  {
   "year": 2023,
   "rate_pct": 0.8
  },
  {
   "year": 2024,
   "rate_pct": 0.74
  },
  {
   "year": 2025,
   "rate_pct": 0.92
  },
  {
   "year": 2026,
   "rate_pct": 1.13
  },
  {
   "year": 2027,
   "rate_pct": 1.2
  }
 ],
 "arithmetic": [
  {
   "measure": "2027 rate as a multiple of the 2019 rate",
   "value": 3,
   "unit": "times"
  },
  {
   "measure": "Change in the rate from 2026 to 2027",
   "value": 6.2,
   "unit": "percent"
  },
  {
   "measure": "Change in the rate from 2026 to 2027",
   "value": 0.07,
   "unit": "percentage points"
  },
  {
   "measure": "Change in the rate from 2025 to 2026",
   "value": 22.8,
   "unit": "percent"
  },
  {
   "measure": "Employee premium at the median wage, 2027 vs. 2019 rules",
   "value": 3.35,
   "unit": "times"
  }
 ],
 "workerCost": [
  {
   "premium_year": 2027,
   "wage_point_id": "p10",
   "wage_point": "10th percentile",
   "annual_wage": 38670,
   "total_premium_rate_pct": 1.2,
   "employee_share_pct": 70.7,
   "total_premium": 464.04,
   "employee_premium": 328.08,
   "employer_premium_50_plus": 135.96
  },
  {
   "premium_year": 2027,
   "wage_point_id": "p25",
   "wage_point": "25th percentile",
   "annual_wage": 47020,
   "total_premium_rate_pct": 1.2,
   "employee_share_pct": 70.7,
   "total_premium": 564.24,
   "employee_premium": 398.92,
   "employer_premium_50_plus": 165.32
  },
  {
   "premium_year": 2027,
   "wage_point_id": "p50",
   "wage_point": "Median",
   "annual_wage": 62990,
   "total_premium_rate_pct": 1.2,
   "employee_share_pct": 70.7,
   "total_premium": 755.88,
   "employee_premium": 534.41,
   "employer_premium_50_plus": 221.47
  },
  {
   "premium_year": 2027,
   "wage_point_id": "mean",
   "wage_point": "Mean",
   "annual_wage": 83330,
   "total_premium_rate_pct": 1.2,
   "employee_share_pct": 70.7,
   "total_premium": 999.96,
   "employee_premium": 706.97,
   "employer_premium_50_plus": 292.99
  },
  {
   "premium_year": 2027,
   "wage_point_id": "p75",
   "wage_point": "75th percentile",
   "annual_wage": 101710,
   "total_premium_rate_pct": 1.2,
   "employee_share_pct": 70.7,
   "total_premium": 1220.52,
   "employee_premium": 862.91,
   "employer_premium_50_plus": 357.61
  },
  {
   "premium_year": 2027,
   "wage_point_id": "p90",
   "wage_point": "90th percentile",
   "annual_wage": 153630,
   "total_premium_rate_pct": 1.2,
   "employee_share_pct": 70.7,
   "total_premium": 1843.56,
   "employee_premium": 1303.4,
   "employer_premium_50_plus": 540.16
  },
  {
   "premium_year": 2026,
   "wage_point_id": "p50",
   "wage_point": "Median",
   "annual_wage": 62990,
   "total_premium_rate_pct": 1.13,
   "employee_share_pct": 71.43,
   "total_premium": 711.79,
   "employee_premium": 508.43,
   "employer_premium_50_plus": 203.36
  },
  {
   "premium_year": 2019,
   "wage_point_id": "p50",
   "wage_point": "Median",
   "annual_wage": 62990,
   "total_premium_rate_pct": 0.4,
   "employee_share_pct": 63.333,
   "total_premium": 251.96,
   "employee_premium": 159.57,
   "employer_premium_50_plus": 92.39
  }
 ],
 "pricingRows": [
  {
   "year": 2026,
   "series": "Premiums at the projected rate",
   "amount_m": 2827
  },
  {
   "year": 2026,
   "series": "Benefits and other costs",
   "amount_m": 2711
  },
  {
   "year": 2027,
   "series": "Premiums at the projected rate",
   "amount_m": 3105
  },
  {
   "year": 2027,
   "series": "Benefits and other costs",
   "amount_m": 3048
  },
  {
   "year": 2028,
   "series": "Premiums at the projected rate",
   "amount_m": 3237
  },
  {
   "year": 2028,
   "series": "Benefits and other costs",
   "amount_m": 3477
  },
  {
   "year": 2029,
   "series": "Premiums at the projected rate",
   "amount_m": 3376
  },
  {
   "year": 2029,
   "series": "Benefits and other costs",
   "amount_m": 3971
  }
 ],
 "proj": [
  {
   "calendar_year": 2026,
   "premium_rate_pct": 1.13,
   "assessed_premium_m": 2827,
   "leave_benefits_m": 2603,
   "small_business_grants_m": 13,
   "administrative_expenses_m": 97,
   "interest_income_m": 2,
   "total_net_costs_m": 2711,
   "pricing_income_m": 115,
   "combined_ratio_pct": 96
  },
  {
   "calendar_year": 2027,
   "premium_rate_pct": 1.2,
   "assessed_premium_m": 3105,
   "leave_benefits_m": 2939,
   "small_business_grants_m": 20,
   "administrative_expenses_m": 92,
   "interest_income_m": 3,
   "total_net_costs_m": 3048,
   "pricing_income_m": 58,
   "combined_ratio_pct": 98
  },
  {
   "calendar_year": 2028,
   "premium_rate_pct": 1.2,
   "assessed_premium_m": 3237,
   "leave_benefits_m": 3352,
   "small_business_grants_m": 32,
   "administrative_expenses_m": 95,
   "interest_income_m": 2,
   "total_net_costs_m": 3477,
   "pricing_income_m": -240,
   "combined_ratio_pct": 107
  },
  {
   "calendar_year": 2029,
   "premium_rate_pct": 1.2,
   "assessed_premium_m": 3376,
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   "small_business_grants_m": 44,
   "administrative_expenses_m": 97,
   "interest_income_m": 0,
   "total_net_costs_m": 3971,
   "pricing_income_m": -596,
   "combined_ratio_pct": 118
  }
 ],
 "acct": [
  {
   "fiscal_year": 2026,
   "premium_collection_m": 2379,
   "leave_benefit_payment_m": 2354,
   "small_business_grants_m": 5,
   "net_administrative_costs_m": 100,
   "end_of_year_account_balance_m": -26
  },
  {
   "fiscal_year": 2027,
   "premium_collection_m": 2898,
   "leave_benefit_payment_m": 2710,
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   "net_administrative_costs_m": 88,
   "end_of_year_account_balance_m": 60
  },
  {
   "fiscal_year": 2028,
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   "leave_benefit_payment_m": 3071,
   "small_business_grants_m": 26,
   "net_administrative_costs_m": 90,
   "end_of_year_account_balance_m": 12
  },
  {
   "fiscal_year": 2029,
   "premium_collection_m": 3274,
   "leave_benefit_payment_m": 3506,
   "small_business_grants_m": 38,
   "net_administrative_costs_m": 95,
   "end_of_year_account_balance_m": -353
  }
 ],
 "histRows": [
  {
   "year": 2020,
   "series": "Revenue",
   "amount_m": 678
  },
  {
   "year": 2020,
   "series": "Expenses",
   "amount_m": 665
  },
  {
   "year": 2021,
   "series": "Revenue",
   "amount_m": 701
  },
  {
   "year": 2021,
   "series": "Expenses",
   "amount_m": 959
  },
  {
   "year": 2022,
   "series": "Revenue",
   "amount_m": 1109
  },
  {
   "year": 2022,
   "series": "Expenses",
   "amount_m": 1258
  },
  {
   "year": 2023,
   "series": "Revenue",
   "amount_m": 1635
  },
  {
   "year": 2023,
   "series": "Expenses",
   "amount_m": 1538
  },
  {
   "year": 2024,
   "series": "Revenue",
   "amount_m": 1742
  },
  {
   "year": 2024,
   "series": "Expenses",
   "amount_m": 1773
  },
  {
   "year": 2025,
   "series": "Revenue",
   "amount_m": 1986
  },
  {
   "year": 2025,
   "series": "Expenses",
   "amount_m": 2144
  }
 ],
 "hist": [
  {
   "year": 2020,
   "revenue_m": 678,
   "expenses_m": 665,
   "net_income_m": 13,
   "source_id": "jlarc-2025"
  },
  {
   "year": 2021,
   "revenue_m": 701,
   "expenses_m": 959,
   "net_income_m": -258,
   "source_id": "jlarc-2025"
  },
  {
   "year": 2022,
   "revenue_m": 1109,
   "expenses_m": 1258,
   "net_income_m": -149,
   "source_id": "jlarc-2025"
  },
  {
   "year": 2023,
   "revenue_m": 1635,
   "expenses_m": 1538,
   "net_income_m": 97,
   "source_id": "jlarc-2025"
  },
  {
   "year": 2024,
   "revenue_m": 1742,
   "expenses_m": 1773,
   "net_income_m": -31,
   "source_id": "esd-actuarial-2025"
  },
  {
   "year": 2025,
   "revenue_m": 1986,
   "expenses_m": 2144,
   "net_income_m": -158,
   "source_id": "esd-actuarial-2025"
  }
 ],
 "drivers": [
  {
   "driver_id": "applications",
   "metric": "Benefit applications per year",
   "start_period": "2020",
   "start_value": 168000,
   "end_period": "2023",
   "end_value": 259000,
   "unit": "applications",
   "percent_change": 54.2,
   "source_id": "jlarc-2025"
  },
  {
   "driver_id": "max-weekly-benefit",
   "metric": "Maximum weekly benefit",
   "start_period": "2020",
   "start_value": 1000,
   "end_period": "2024",
   "end_value": 1456,
   "unit": "dollars per week",
   "percent_change": 45.6,
   "source_id": "jlarc-2025"
  },
  {
   "driver_id": "avg-weekly-benefit",
   "metric": "Average weekly benefit",
   "start_period": "2020",
   "start_value": 630,
   "end_period": "2024",
   "end_value": 878,
   "unit": "dollars per week",
   "percent_change": 39.4,
   "source_id": "jlarc-2025"
  },
  {
   "driver_id": "monthly-benefit-payments",
   "metric": "Benefit payments in the month of January",
   "start_period": "January 2023",
   "start_value": 117,
   "end_period": "January 2025",
   "end_value": 171,
   "unit": "millions of dollars",
   "percent_change": 46.2,
   "source_id": "esd-actuarial-2025"
  },
  {
   "driver_id": "paid-weekly-claims",
   "metric": "Paid weekly claims in the month of January",
   "start_period": "January 2023",
   "start_value": 141000,
   "end_period": "January 2025",
   "end_value": 191000,
   "unit": "weekly claims",
   "percent_change": 35.5,
   "source_id": "esd-actuarial-2025"
  },
  {
   "driver_id": "family-cost-per-claim",
   "metric": "Benefit per Family Leave claim (approximate)",
   "start_period": "about 2022",
   "start_value": 6700,
   "end_period": "2025",
   "end_value": 8000,
   "unit": "dollars per claim",
   "percent_change": 19.4,
   "source_id": "esd-actuarial-2025"
  },
  {
   "driver_id": "medical-cost-per-claim",
   "metric": "Benefit per Medical Leave claim (approximate)",
   "start_period": "about 2022",
   "start_value": 6100,
   "end_period": "2025",
   "end_value": 7100,
   "unit": "dollars per claim",
   "percent_change": 16.4,
   "source_id": "esd-actuarial-2025"
  }
 ]
}