The California Coalition on Workers' Compensation received Insurance Commissioner John Garamendi at its annual program Thursday announcing his decision to lower the pure premium advisory rate by 14.9 percent. The text of Garamendi's speech was circulated at the program and is reproduced below. Receiving a spontaneous standing ovation from attendees, Garamendi discussed the 2003 workers' compensation reforms and the 'Garamendi Plan', phase II, for drastically changing the workers' compensation system in California, including permanent disability rating reform, universal (or as he terms it "24 h...
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