Which of the following scenarios would you think hurts your NCCI Experience Mod the most? Which one the least? A) You have 100 medical-only claims each of which is $1000. Total claim cost $100,000. B) You have five $20,000 lost-time claims. Total claim cost $100,000. C) You have one severe $100,000 lost-time claim. Total claim cost $100,000. So, the cost to your insurance company or you if you are on $100,000 or higher deductible program is $100,000 in all 3 scenarios.