Healthcare & Social Services
Class Code 8824: Retirement Living Centers—Health Care Employees — Workers' Comp Insurance
Covers the health care and caregiving staff at a retirement or assisted living community, as distinct from the community's dining, housekeeping, and general facility staff who are coded separately. It applies specifically to the personal-care and health-services side of senior living.
- Risk level:
- moderate
What code 8824 covers
Class 8824 applies to the health care employees of a retirement living center — typically assisted living communities offering some level of personal care or health services short of full skilled nursing. It covers caregivers, medication aides, and health-services staff who assist residents with daily living activities, while the community's dining, housekeeping, activities, and general facility staff are coded under separate classifications for a retirement or independent living operation. This split reflects that hands-on personal care carries different physical demands than dining or housekeeping work at the same community. Communities offering a continuum of care from independent living through skilled nursing typically need payroll divided across several classifications based on the level of care provided in each area.
Included operations
- Personal care and assisted-living caregiving staff
- Medication management and health-services aides
- Resident mobility and daily-living assistance
- Health-services coordination at the community
Assigned elsewhere
- Skilled nursing facility staff providing a higher level of clinical care — see code 8829
- Dining, housekeeping, and general facility staff at the same community, evaluated under the applicable retirement/independent living classification
- Home health care delivered off-site — see code 8835
- Hospital-employed clinical staff — see code 8833
Businesses that typically carry 8824
- Assisted living communities
- Continuing care retirement communities
- Independent living communities with a health-services wing
- Senior living operators offering personal care services
- Outpatient and multi-specialty clinics
- Faith-based and community service organizations
- County and municipal social service agencies
- Multi-site healthcare and care organizations
Common misclassifications
Code 8829
Communities with both assisted living and a skilled nursing wing sometimes code all caregiving staff the same instead of splitting by level of care.
Code 8842
Group home staff and assisted-living caregivers perform similar personal-care duties but serve different populations under different codes.
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What drives the cost of code 8824
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Types of patients, residents, or clients served and the level of care provided
- Staffing ratios and use of lift equipment or safe patient-handling protocols
- Prior claims history, especially strain, sprain, and needlestick injuries
- Licensing, accreditation, and staff credentials
Eligibility
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 8824 fits
Quote class code 8824.
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Class code 8824 questions
Does this code cover the community's dining and housekeeping staff?
No, those roles are typically coded under a separate retirement/independent living classification; 8824 is specific to health care and caregiving staff.
How is this different from a nursing home?
Nursing homes providing skilled nursing-level care fall under 8829; 8824 applies to the health-care staff of a retirement or assisted living community offering a lighter level of care.
What if our community has both assisted living and skilled nursing?
Payroll is typically split across the applicable classifications based on the level of care provided in each part of the community.
Are medication aides included in this classification?
Yes, staff assisting with medication management and daily living activities are part of the health-care classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents