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Key 2015 MCAS Dates
December 15, 2015 Call Letters to Companies
January 22, 2016 Last day to submit 2014 corrections (See FAQ Document)
February - March, 2016 MCAS training webinars (Click here for more information)
March 16, 2016 2015 filings may be submitted via the online MCAS filing tool
April 30, 2016 All MCAS submissions due for all lines of business
July 1, 2016 MCAS industry scorecards posted to MCAS Web page


2015 MCAS Scorecards Plus New Compilations of State Scorecards by Line of Business

The 2015 MCAS scorecards are now available in the Participating Jurisdictions Contacts and Scorecards section of the MCAS webpage. In addition to the scorecards that are posted for each individual state by line of business, for the 2015 data year, we have added compilations of state MCAS scorecards by line of business. The compilations provide aggregate ratio results for each state by line of business. Providing the scorecard compilations will aid companies when comparing across multiple states. It will no longer be necessary to download multiple scorecard files to compare across states. The compilations do not provide any new information, but instead consolidate the state scorecards. Compilations for past years are not available.

Scorecards are produced each year to show the jurisdiction-wide ratio and the distribution of ratios for all companies filing an MCAS in a given jurisdiction. Individual company ratio information is available through the online MCAS application. A company may gain a better understanding of where they fit in the insurance marketplace and what opportunities may exist to improve their performance in a jurisdiction by comparing their jurisdiction-specific ratios to the scorecard for that jurisdiction. Each year, within 60 days of the filing due date, the most recent scorecards for all participating MCAS jurisdictions are made available on this webpage.

If you have any questions, please send them to mcas@naic.org

NEW for 2015 Data Year - Optional CSV Assistant

New for the 2015 data filing year, the NAIC is offering an optional CSV Assistant. Each line of business collected has an accompanying Excel file that you can use to enter your data. Once data is entered, this workbook will automatically create a correctly formatted CSV file for you to use for uploading your data. The CSV Assistant is available on this page under "Resources".

MCAS - The Market Conduct Annual Statement

The Market Analysis Procedures (D) Working Group is responsible for the content of MCAS, defining the data that is collected, and promoting uniform analysis by applying consistent measurements and comparisons of MCAS data provided by companies. MCAS provides market regulators with market conduct information not otherwise available for their market analysis initiatives. Currently, MCAS is used to collect claims and underwriting data on the Private Passenger Auto, Homeowners, Life, Annuity and Long Term Care lines of business. Companies report their data to each jurisdiction through the NAIC's on-line MCAS application.

Health is the next line of business that is being discussed for inclusion in the MCAS reporting. You can follow the latest discussions of the Market Analysis Procedures (D) Working Group by visiting their webpage: cmte_d_mapwg.htm.


The reporting deadline for all companies and lines of business is April 30, 2016.

All MCAS data validation messages are available in the MCAS User Guide, located in the Resources section on the left side of this page. The Guide can also be accessed by using the Help button within the MCAS submission tool.

To ensure consistent reporting by all companies, the Market Analysis Procedures (D) Working Group requires that all companies adhere to the Data Call and Definitions located in the Resources tab on the left side of this Web page.

Long Term Care – The 2015 data year is the second year for the reporting of LTC data in the MCAS. All companies with any in-force individual stand-alone LTC policies, individual Life-LTC hybrid products, or individual Annuity-LTC hybrid products are required to report data in MCAS. The MCAS Data Call and Definitions for Stand-Alone products and Hybrid products are located in the resources section on the left side of this Web page.

Important note regarding LTC – Within the MCAS tool, your filing matrix includes an LTC column. This is where you will see the yellow "required to file" asterisk next to each state in which, according to your 2015 financial annual statement (FAS), you reported any individual stand-alone LTC premium. The FAS - LTC Reporting Forms 1 through 5 are not due until April 1. You will not see any "required to file" asterisks until your company's LTC Reporting Form 5 is submitted. Additionally, individual hybrid-LTC premium is only reported on a national basis and is not available to be used to indicate "required to file" on a state basis. If your company only has hybrid-LTC business in a state, you will not see a "required to file" asterisk. You still MUST file an MCAS regarding your hybrid-LTC business regardless of whether you have a "required to file" asterisk on your filing matrix. Please note that the "required to file" indicator is only a guide. If you know you have relevant business to report, it must be reported whether or not you see the yellow "required to file" asterisk.

Two issues of special note addressed by the Working Group: 
Auto and Homeowner Claims – Companies must not report claims that were reported for "information only", were an inquiry of coverage if a claim had not actually been presented (opened) for payment, or were setup for a potential claimant if that individual has not made a claim nor had a claim made on his or her behalf.
Homeowner Coverages – Companies must distinguish between the five coverage parts and not combine any of them together. Specifically, companies are directed to distinguish between dwelling, personal property, and loss of use claims

Reporting MCAS

To report MCAS data, companies should log onto the MCAS application through the "Log In" icon located on this page. The application supports both manual and electronic data entry for all jurisdictions in which a company is required to file. Help for filing MCAS is available within the application and can also be found in the following documents located in the Resource section on the left of the Web page.

MCAS User Guide – provides technical assistance on accessing and using the MCAS application. It describes each section of the application and also has a list of all validation error and warning messages which you may receive when completing the MCAS.

CSV Data Upload Instructions – provides technical assistance with the electronic upload of data into the MCAS application. It includes templates to assist in the proper construction of the CSV files used for uploading data into the application.

Data Call and Definitions – These contain the data elements collected in MCAS and provide instructions that clarify what should be included in each data element. Except for a combined Life & Annuity document, there is a separate Data Call and Definitions for each line of business collected in MCAS.

FAQ – The Frequently Asked Questions document is located just under the MCAS "Log In" icon. It contains both technical and definitional information not located in the other Help documents.

Any questions not addressed by the documents located on this page can be sent to either mcas@naic.org or help@naic.org.

Waiver and Extension Requests

Please note that if your company does not meet the minimum premium threshold for filing MCAS in a jurisdiction, your company is automatically exempt from filing an MCAS for that jurisdiction and a waiver does not need to be requested. Please review the "Participation Requirements" and the "Data Call Letter" for further details about which companies need to file. These documents are located in the General Filing Information and Communication sections on the left side of this Web page.

Through the MCAS application, a company can request a waiver or an extension from any jurisdiction to which it is required to file an MCAS. Responses to the waiver and extension requests are posted to the web application once a decision is made by the jurisdiction. It is the responsibility of the company to log onto the application to determine whether a request was granted or denied.

Market Conduct Contact, MCAS Administrator, and MCAS Contact

As part of the Financial Annual Statement filing every company is required to designate a Market Conduct Contact. This person is the primary company contact for all market conduct matters and is the individual to whom the MCAS data call letter is addressed. If the company fails to designate a Market Conduct Contact, the NAIC looks to the Financial Statement Contact to fulfill that role.

The Market Conduct Contact is also the default administrator of their company's access to the online MCAS application. This individual has the sole authority to add and remove other users to the MCAS application on behalf of their company. The Administrator may designate a specific MCAS Contact to serve as the point person for MCAS filing issues and regulator questions. The Administrator may not delegate his/her administration role except as outlined in the MCAS User Guide.

Company Attestation

All companies that submit an MCAS filing must have two representatives that attest to the completeness and accuracy of their submission. The attestation is required once per filing period and applies to all submissions for a specific company code. No submissions will be accepted until an attestation is completed for the company.


Please email questions to mcas@naic.org.