American Association of State Compensation insurance Fund
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CopperPoint Mutual Insurance Company
Phone: (602) 631-2000
Address: 3030 North Third Street
Phoenix, AZ   85012

State Compensation Insurance Fund
Address: 333 Bush Street
Suite 800
San Francisco, CA   94104

Pinnacol Assurance
Phone: (303) 361-4000
Address: 7501 East Lowry Boulevard
Suite 800
Denver, CO   80230-7006

Hawaii Employers' Mutual Insurance Co. Inc.
Phone: (808) 524-3642
Address: 1100 Alakea Street
Suite 1400
Honolulu, HI   96813

Idaho State Insurance Fund
Phone: (208) 332-2100
Address: 1215 West State Street
P.O. Box 83720
Boise, ID   83720-0044

Kentucky Employers Mutual Insurance
Phone: (859) 425-7800
Address: 250 West Main Street Suite 900
P.O. Box 83720
Lexington, KY   40507-1724

Louisiana Workers' Compensation Corporation
Phone: (225) 924-7788
Address: 2237 South Acadian Thruway
P.O. Box 83720
Baton Rouge, LA   70808

Maine Employers Mutual Insurance Company (MEMIC)
Phone: (207) 791-3300
Address: 261 Commercial Street
P.O. Box 11409
Portland, ME   04104

Chesapeake Employers Insurance Company
Phone: (410) 494-2000
Address: 8722 Loch Raven Boulevard
P.O. Box 11409
Towson, MD   21286-2235

SFM Mutual Insurance Company
Phone: (952) 838-4200
Address: 3500 American Boulevard West Suite 700
P.O. Box 11409
Bloomington, MN   55431-4434

Missouri Employers Mutual Insurance
Phone: (800) 442-0590
Address: 101 N Keene St
P.O. Box 11409
Columbia, MO   65201

Montana State Fund
Phone: (406) 495-5015
Address: 855 Front Street
P.O. Box 4759
Helena, MT   59604-4759

New Mexico Mutual Group
Phone: (505) 345-7260
Address: 3900 Singer Boulevard NE
P.O. Box 4759
Albuquerque, NM   87109

New York State Insurance Fund
Phone: (212) 312-7001
Address: 199 Church Street
P.O. Box 4759
New York, NY   10007

Workforce Safety and Insurance
Phone: (701) 328-3800
Address: 1600 East Century Avenue Suite 1
P.O. Box 4759
Bismarck, ND   58506-5585

Ohio Bureau of Workers Compensation
Phone: (800) 644-6292
Address: 30 West Spring Street
P.O. Box 4759
Columbus, OH   43215-2256

CompSource Mutual Insurance Company
Phone: (405) 232-7663
Address: 1901 North Walnut Ave.
P.O. Box 53505
Oklahoma City, OK   73152-3505

State Accident Insurance Fund (SAIF)
Phone: (503) 373-8000
Address: 400 High Street SE
P.O. Box 53505
Salem, OR   97312-1000

Pennsylvania State Workers Insurance Fund
Phone: (570) 963-4635
Address: 100 Lackawanna Avenue
P.O. Box 5100
Scranton, PA   18505-5100

Beacon Mutual Insurance Company
Phone: (401) 825-2667
Address: One Beacon Centre
P.O. Box 5100
Warwick, RI   02886-1378

South Carolina State Accident Fund
Phone: (803) 896-5800
Address: P.O. Box 102100
P.O. Box 5100
Columbia, SC   29221-5000

Texas Mutual Insurance Company
Phone: (800) 859-5995
Address: 6210 East Highway 290
P.O. Box 5100
Austin, TX   78723-1098

Workers Compensation Fund
Phone: (800) 446-2667
Address: 100 West Towne Ridge Parkway
P.O. Box 2227
Sandy, UT   84070

Washington Department of Labor and Industries
Phone: (360) 902-5800
Address: P.O. Box 44001
P.O. Box 2227
Olympia, WA   98504-4001

Wyoming Division of Workers Safety & Compensation
Phone: (307) 777-7159
Address: Cheyenne Business Center
1510 East Pershing Boulevard
Cheyenne, WY   82002

Workers Compensation Board - Alberta
Phone: (780) 498-3999
Address: 9925-107 Street
P.O. Box 2415
Edmonton, AB   T5J 2S5

Workers Compensation Board of British Columbia (WORKSAFEBC)
Phone: (604) 273-2266
Address: P.O. Box 5350 Station Terminal
P.O. Box 2415
Vancouver, BC   V6B 5L5

Manitoba Workers Compensation Board
Phone: (204) 954-4321
Address: 333 Broadway
P.O. Box 2415
Winnipeg, MB   R3C 4W3

Phone: (506) 632-2200
Address: 1 Portland Street
P.O. Box 160
Saint John, NB   E2L 3X9

Workers Compensation Board of Nova Scotia
Phone: (902) 491-8999
Address: 5668 South Street
P.O. Box 1150
Halifax, NS   B3J 2Y2

Prince Edward Island Workers Compensation Board
Phone: (902) 368-5680
Address: 14 Weymouth Street
P.O. Box 1150
Charlottetown, PE   C1A 7L7

Saskatchewan Workers Compensation Board
Phone: (306) 787-4370
Address: 200 - 1881 Scarth Street
P.O. Box 1150
Regina, SK   S4P 4L1

Puerto Rico State Insurance Fund Corporation
Phone: (787) 793-5959
Address: G.P.O. Box 365028
P.O. Box 1150
San Juan, PR   00936-5028
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Latest Newsletter



Pinnacol Makes Denver Post Top Workplaces List
The Denver Post has named Pinnacol a 2017 Top Workplace. Last December, a third-party company surveyed Pinnacol employees about job satisfaction, benefits, and other areas. Pinnacol employee responses were scored against those from employees of other top workplaces competing for the award. Pinnacol was ranked No. 3 in the large company category. Twenty-five companies made the Top Workplaces list in the large company category.

Pinnacol Issues a General Dividend
For the second year in a row, Pinnacol policyholders got a springtime boost to their bank accounts. Pinnacol issued a $50 million general dividend to more than 53,000 Colorado employers (over 94% of our policyholders) last month based on their own commitment to safety and risk management and Pinnacol’s financial strength. Checks averaged $941, up 65 percent from last year.

Compromise Bill on Workers’ Comp for PTSD Passes Colorado Legislature
Like other states, Colorado has seen numerous legislative attempts to make it easier for first responders to claim workers’ comp for PTSD. Pinnacol helped to defeat those previous bills, each of which had unique problems. However, the issue was gaining traction on both sides of the aisle; it was not going away. Taking on the role of constructive problem-solver, Pinnacol worked with the Fraternal Order of Police and self-insured municipalities to craft a compromise that focuses on the type of exposure, rather than the type of profession, that qualifies for a PTSD claim. This unique approach eliminates the “slippery slope” problems inherent in profession-specific carveouts while still allowing only a very narrow window for PTSD claims—thereby ensuring that the vast majority of employers will not face such claims. The bill, HB 17-1229, passed both chambers with strong bipartisan support and is now on its way to the governor’s desk.

Pinnacol Launches Provider Training Video to Rave Reviews
In recent surveys, the provider community who treats Pinnacol injured workers let them know they want more educational resources to better understand the workers’ compensation claims process in Colorado. Pinnacol quickly got to work and recently launched Caring for Injured Workers, an educational video for providers that interact with Pinnacol injured workers. It provides viewers with an overview of the workers’ compensation ecosystem in Colorado, walks them through the typical workers’ compensation claims process, and introduces viewers to representatives and resources from key areas within Pinnacol.  Viewers can also receive CME or proof of continuing education. Pinnacol’s Medical Operations and Healthcare Strategy team has been flooded with positive feedback about the tool, and they’ve exceeded their viewership goals for the video.

Pinnacol CFO Named 2017 Top Financial Executive
Pinnacol CFO Kathy Kranz was named a 2017 Top Financial Executive by the Denver Business Journal. Nominees were judged on business leadership, professional accomplishments, innovation, and community involvement. The judges were particularly impressed by Kathy’s four-year plan to restore Pinnacol’s profitability and strengthen its finances following the Great Recession.





HEMIC Honored With Better Business Bureau Torch Award 2017 for Ethical Business Practices
HEMIC received the Better Business Bureau (BBB) Torch Award for Ethics in the “large business” category at a ceremony held on Friday, March 31, in Waikiki. The Torch Awards focus on demonstrated ethical business practices with key stakeholders, including customers, employees, and the community at large, rather than focusing on a company’s growth, profitability, or popularity. The Torch Award winners were chosen by an independent panel of judges made up of Hawai‘i business leaders.

“This year Hawaii’s BBB saw a record-breaking number of nominations. Over 80 companies were nominated for this prestigious award,” stated Gregory Dunn, president and CEO, of Hawaii’s Better Business Bureau. “The 2017 winners have shown that ethics and integrity are core values of their organization and join an elite group of organizations that realize dealing fairly and honestly with employees, customers and partners are central to profitability and growth. They serve as role models in the community and it is an honor to present them with this award.”

CEO Marty Welch said, “At this exciting time, as we celebrate our 20th anniversary, it is especially meaningful to be recognized as a company with integrity. We stand by Hawai’i’s workers in their time of need and by the local businesses we have served for the past 20 years."

HEMIC’s Holistic Approach to Workers’ Compensation Highlighted in Emotional 20th Anniversary Television Ad Campaign
To bring to life HEMIC’s holistic approach to getting people back on their feet physically, emotionally, socially, and financially following an injury, the company worked with Anthology Marketing Group to create a special 90-second TV commercial for its 20th anniversary. The longer spot launched in the week leading up to the Super Bowl, followed by a 60-second edit that aired during the game in Hawai‘i and a 30-second edit thereafter.

HEMIC’s new ad campaign is a significant and strategic departure from its popular and award-winning “No Worries” ad campaign series, which included funny titles like "Clamtastrophe" and “Hotel Clownifornia” and took a light-hearted approach to the many challenges faced by business owners, ending with the tagline “You have enough to worry about with your business. Let HEMIC worry about your workers’ comp insurance. HEMIC: No worries.”

The moving new spot, titled “Construction Worker,” focuses on the injured worker and the positive impact HEMIC has on local workers, while expressing its core mission and values. “Replacing someone’s income is the easy part. That’s just numbers,” said CEO Marty Welch, “But getting injured people back to work is all about making them whole again, putting their lives back together, helping them regain their self-worth, and helping them feel worthy again.”

The new commercial opens before sunrise as a construction worker catches a ride to work in his co-worker’s truck. Their conversation reveals that it is his first day back on the job following an injury. Seeing his nervousness, his friend attempts to calm his nerves. What happens when they arrive at the job site communicates a powerful message about the camaraderie offered by one’s workmates. It highlights the impact that work—and getting back to work—can have on one’s physical and mental well-being, especially in the wake of a traumatic on-the-job injury and recovery period.

HEMIC Chooses Guidewire/PwC for Its New Core Systems
To improve business agility and lower costs, HEMIC has partnered with Guidewire Software, choosing the Guidewire InsuranceSuite™ along with PwC’s InsuranceCloud solution. The fully integrated and configurable suite of products, with impressive out-of-the-box functionality, will improve operational effectiveness and efficiency and increase customer service offerings.

Guidewire’s product maturity and market share, as well as its responsiveness and industry knowledge, were important factors in HEMIC’s decision. The suite of integrated products also offers a more holistic user experience, transforming how HEMIC does business and enhancing their commitment to serving their agents and policyholders with first-in-class customer service.

“The advanced capabilities of Guidewire’s Core, Data, and Digital products will help our organization reduce expenses and enhance efficiency and service to our customers,” said Regina Harris, vice president of Underwriting at HEMIC. “We felt that a hosted, managed services approach would be the best one to take to enable our agents to focus on their core competency: providing our policyholders with the very best insurance and service we can offer, while easily offering self-service capabilities as an additional option for our policyholders.”

Guidewire Software, Inc. (NYSE: GWRE) is a provider of software products to Property/Casualty (P/C) insurers. HEMIC selected Guidewire InsuranceSuite™, Rating Management, and Client Data Management as its policy administration, underwriting, rating, client data management, billing, and claims management platform. The company has also selected Guidewire DataHub™ and InfoCenter as its data management and analytics solutions, Guidewire Account Management Portal for Policyholders™ and Gateway Portal for Agents to enhance the digital experience of its policyholders and agents, and Smart Communications™ for customer communications management.



KEMI Announces Management Promotions
Kentucky Employers’ Mutual Insurance (KEMI) is pleased to announce the promotions of Katy Grachek and Ryan Worthen.

Katy Grachek, SPHR, SHRM-SCP, has been promoted to director of human Resources. Katy has held various roles in the HR department at KEMI since 1997. She most recently served as the benefits manager for the company. Prior to joining KEMI, she was a licensed insurance agent.

Grachek has a bachelor of science degree in agriculture economics from the University of Kentucky. She earned the Senior Professional in Human Resources (SPHR) designation from the HR Certification Institute and also holds the title of Senior Certified Professional by the Society for Human Resources Management (SHRM-SCP).

She is a member of the national SHRM association and the regional Bluegrass SHRM chapter. Grachek was also appointed to serve on the Human Resource Committee for the AASCIF and served previously as a committee chair for the organization.

Ryan Worthen has been promoted to director of communications. He has been with KEMI since 2002 and was previously the communications manager.

Worthen is a past president with the Public Relations Society of America (Thoroughbred Chapter), has served on the board of directors for Ronald McDonald House Charities of the Bluegrass and YMCA of Central Kentucky, and was a committee chair for AASCIF. He is also engaged in many other civic, community, and charitable endeavors.
Worthen holds a bachelor’s degree in business management from Asbury University.



LWCC Announces New Board Member
LWCC recently welcomed Thomas K. “Tommy” Huval, CIC, as the newest member to its board of directors. Governor John Bel Edwards appointed Huval to serve as a representative of agents licensed to sell workers’ compensation insurance in Louisiana with executive-level experience.

Huval has been regional president of the retail division at Brown & Brown, Inc. since September 2015 and serves as its senior vice president. Huval serves as president and CEO of Brown & Brown of Louisiana, LLC (formerly Huval Insurance Agency, Inc.) based in Lafayette, La. He serves as chairman of the board of Farmers-Merchant Bank & Trust. Huval has served as president of the Breaux Bridge Area Chamber of Commerce and as a director of Prevent Child Abuse Louisiana. Further, Huval has served as a board member for the Diocese of Lafayette School Board and for the Independent Insurance Agents Association of Louisiana (IIABL). He also has sat on a number of industry councils and has been active in numerous civic and charitable endeavors.

View the full press release.


Chesapeake Employers Insurance
A.M. Best Co. has reaffirmed a financial strength rating of A- (Excellent) and an issuer credit rating of “a-” for Chesapeake Employers’ Insurance Company as of March 29, 2017. The outlook assigned by A.M. Best to both ratings is stable. (Click here to be taken to A.M. Best’s Ratings and Criteria Center).

Tom Phelan, president and CEO of Chesapeake Employers Insurance, says:  “The company’s surplus growth, coupled with specific attention to appropriately pricing the risk and adhering to best practices in claims management and medical cost control, helped to reaffirm our A.M. Best rating.”

The Maryland State Senate confirmed the reappointment of Wayne R. Gioioso Sr. to the board of directors for Chesapeake Employers’ Insurance Company for a term of five years from June 1, 2016. Mr. Gioioso serves as secretary for the Board of Directors. Governor Larry Hogan Jr. submitted Mr. Gioioso’s name for the Senate’s consent at the beginning of the 2017 legislative session.

Leonard “Bud” Schuler, Jr. has been reappointed as a member to the Board of Directors for Chesapeake Employers Insurance for a term of four years, effective June 1, 2017.




Joan Adelman was recently promoted to vice president of legal services for Chesapeake Employers Insurance. Ms. Adelman is responsible for the day-to-day operations of the legal department, including supervision of attorneys and the legal department’s appellate practice. She also provides advice to all other company departments on a wide range of insurance matters. Prior to her new position, Ms. Adelman was assistant vice president of legal services.

Stephen Friedman was recently promoted to director of security and privacy for Chesapeake Employers Insurance. In this position, Mr. Friedman ensures that Chesapeake Employers adheres to applicable laws and regulations regarding privacy and security of information pertaining to policyholders and claimants; assists in the development of policies, procedures, and plans for protecting and securing company data; and participates in the development, maintenance, and testing of the company’s disaster recovery and incident response plans. Previously, Mr. Friedman held the position of senior internal auditor.



MEM Grows Leadership Team
Missouri Employers Mutual welcomes Andy Ribaudo as chief financial officer, Roger Walleck as director of underwriting, and Dan Rogers as director of product management.

Ribaudo will provide executive leadership for finance, controller, and actuarial services. He joins MEM most recently from Great American Insurance Company/American Financial Group, where he served as the CFO of an AFG-owned syndicate at Lloyd’s of London.

Walleck will direct the company’s book of business through agency and policyholder relationships to maximize profitability and customer service. Walleck most recently served as chief underwriting officer and executive vice president for Meadowbrook Insurance Group, where he set underwriting appetite, tolerance, and limits. Prior to that, he worked at Liberty Mutual for 24 years, starting in Loss Prevention and ultimately becoming the division underwriting manager for New York.

Rogers will head up training, data analysis, and quality assurance processes, providing technical and analytical support to the Underwriting team. He brings more than 20 years of industry experience in various underwriting capacities. Most recently, he served as assistant director, Workers Compensation Product Manager on the Underwriting Strategy team for Liberty Mutual, where he assisted with research, automated rules, and data analytics.



Executive Team Changes
Montana State Fund is pleased to announce that Kevin Braun has been promoted to general counsel and will sit on the Executive Team. He has been with MSF since 2005. In that time, he has served as a claim attorney and assistant general counsel. 

Braun earned his B.A. in political science from Montana State University and his J.D. from the University of Montana School of Law. Upon graduation from law school, he was a law clerk for the Workers’ Compensation Court. With that experience, he began working at the Montana Department of Labor & Industry, where he served as chief counsel from 1995–2005. Braun replaced longtime MSF general counsel Nancy Butler, who retired last year.

2017 Medical Conference
Montana State Fund will host its 17th annual medical conference in Helena on Friday, June 2, 2017. Topics at the one-day event include neuropathic pain, chronic opioid therapy, understanding the value of an IME, and emotional rehabilitation.

“We sponsor this conference as a way to foster collaboration between Montana State Fund, the medical community and other workers’ compensation stakeholders to effectively help injured employees return to work as soon as possible after an injury or disease,” said Michele Fairclough, MSF medical services director.

Continuing Medical Education (CME) and other continuing education credits are available. The event is open to the public. Legal, medical, and workers’ compensation claims professionals are encouraged to attend. Anyone interested can find out more details at



New Website
NYSIF launched a new website featuring a reorganized and consolidated responsive design with improved navigation, streamlined content, and expanded access to online services for all customer types—employers, claimants, insurance reps, and medical providers. Easy-to-navigate menus now make it easier to find information and transact business with NYSIF. A six-month online survey of users’ habits, needs, and wants factored heavily in the redesign, including home page quick links to information and services most often sought by customers and an expansion of electronic services desired by policyholders and brokers.

Direct Deposit Expanded
NYSIF has expanded its direct deposit service and implemented online enrollment for all eligible payees, who now include workers' compensation claimants and beneficiaries, Aggregate Trust Fund claimants and beneficiaries, disability benefits claimants, and medical providers.
Customers can now register for a NYSIF online account and enroll in direct deposit by completing a simple electronic form.

Audit Exit Form
NYSIF introduced a new electronic form to improve communication with customers by providing policyholders or their representatives with clearer information regarding payroll audits. NYSIF premium auditors now use the Premium Audit Electronic Exit Interview Form at the conclusion of the audit.
The form, populated electronically in seconds from audit worksheets, prefills class codes, descriptions, audited payroll, and deposit payroll. The form also calculates manual rate premium differences automatically. This now allows auditors to explain classification codes applied to each account and provides more opportunities for auditors and policyholders to address discrepancies on site, thereby reducing the need for re-audits.

Digital Docs
In a continuing effort to allow quicker and easier access to policy documents and reduce paper communications, NYSIF now provides all its workers’ compensation policyholders and their brokers with electronic access to policy information pages.

Policyholders have the choice to opt out of receiving paper information pages, including declarations, endorsements, renewals, rebills, and audit information, which are all available through their NYSIF online accounts. NYSIF has discontinued mailing policy documents to all brokers, who must register for online access to their clients’ informational pages.

NYSIF now offers a pay-as-you-go premium payment plan—NYSIF PAYGO—for policyholders to pay their workers’ compensation insurance through approved payroll processors.

NYSIF PAYGO calculates premiums based on actual payroll for the pay period, allowing policyholders to better manage their workers’ compensation. NYSIF PAYGO requires no premium deposit at policy inception and minimizes yearend audit adjustments.

Mobile Policy App
NYSIF policyholders now have the option to print and send NYSIF certificates of insurance remotely from any mobile device.

The free app is downloaded from the Google Play Store or Apple iTunes by searching for NYSIF Mobile Policy. The app is particularly useful for policyholders with multiple job sites and job sites where there is no access to a computer terminal.



BWC Pharmacy Director Recognized for Efforts to Curb Opioid Abuse
BWC pharmacy director Johnnie Hanna received the Governor's Award for Employee Excellence for building a model pharmacy program at BWC and for his efforts to help injured workers avoid opioid addiction.

BWC administrator/CEO Sarah Morrison credited the veteran pharmacist and his team for initiatives that have lowered BWC drug costs by $46 million over the last seven years and reduced opioid doses by 18.9 million to nearly half their 2011 levels.

“Under Johnnie’s leadership, our pharmacy team is showing what it means to be world-class,” said Morrison. “Their efforts, which are receiving national attention, help improve the lives of those we serve by focusing on health and recovery and reducing the likelihood of deadly addiction.”

Hanna joined BWC in 2009. Since then, he and his team have have crafted several measures designed to mitigate the potential for opioid addiction or dependence. As a result, Ohio injured workers dependent on opioids dropped from 8,029 in 2011 to 4,101 in 2016.

“All of us work hard every day to do right by injured workers so they can recover and get back to work without the added burden of a crippling addiction,” Hanna said.

BWC administrator Sarah Morrison and BWC pharmacy director Johnnie Hanna (left) stand with Lt. Gov. Mary Taylor and Department of Administrative Services director Robert Blair(right) during the Governor’s Award for Employee Excellence ceremony at the Statehouse. Hanna received the award for building a model pharmacy program at BWC and for his work to curb opioid addiction among injured workers.

BWC Proposes Another $1 Billion Workers’ Comp Rebate
Gov. John Kasich joined BWC administrator/CEO Sarah Morrison to announce plans for a  $1 billion rebate to Ohio private and public employers, the third such rebate since 2013.

The rebate, along with previous rebates, credits and rate reductions, would bring the total the agency has saved Ohio employers in workers’ compensation costs to $6.3 billion since the start of 2011.

Under the proposal, more than 200,000 eligible private and public employers will receive a rebate equal to 66 percent of premiums for the policy year that ended June 30, 2016 (calendar year 2015 for public employers).  BWC will begin issuing checks in early July if the BWC board of directors approves the proposal during its April 28 meeting.

Administrator Morrison also that announced BWC is exploring a significant investment in workplace safety across the state.

“Gov. Kasich challenged us to invest even more in creating a culture of safety in Ohio’s workplaces and ensuring more people return home each day safe and healthy,” she said. “Our goal is to develop a plan that will help protect workers’ health and wellbeing on the job and at home.”

New Video for Ohio Injured Workers
When an injury occurs, BWC’s mission is to get injured workers the care they need to return to work—and their lives—as soon as possible.

While BWC’s goal is to provide quality, efficient service, we realize workers injured on the job face not only an unexpected physical recovery but also must navigate an often unfamiliar process for managing their workers’ comp claim. That’s why we created a brief video that familiarizes workers and employers with the process to alleviate uncertainty about what to anticipate in the weeks following an injury.

We hope this video is informative and useful for both employers and injured workers as they work together toward recovery and a return to work.

Watch What to expect in the next 30 days on BWC’s YouTube page.



Oregon Organizations Align on Health and Safety
Representatives from SAIF, Oregon OSHA, and the Oregon Institute of Occupational Health Sciences at OHSU signed the first-ever Total Worker Health alliance in March. The alliance will work together to provide training, conduct research, and educate Oregon workers on their rights, in an effort to improve overall worker safety and health and prevent workplace injuries. The organizations will expand the knowledge and application of Total Worker Health principles and practices established by the National Institute for Occupational Safety and Health (NIOSH).

January Storms Unload Chilling Number of Slip and Fall Injuries
Oregon saw heavy snow and ice statewide in January, leading to more workers suffering slips, trips, and falls than in any recent January. More than 700 workers filed claims with SAIF for injuries due to slips, trips, and falls on ice and snow, far exceeding the nearly 250 injuries in the same month in 2016—in fact, there were more slips, trips, and falls this January related to ice and snow than in the past five Januarys combined. Slips, trips, and falls due to ice and snow made up 21 percent of all claims SAIF received this January.

SAIF Offers News and Tips in Your Inbox
SAIF has made it easier for employers to get quick and easy tips about workplace safety and health in their email inbox. We've designed our email tips with busy employers in mind, but anyone who's interested in preventing injuries, promoting health, and saving time and money on workers' comp is welcome to subscribe. To sign up, go to

Annual Magazine Focuses on Putting Safe and Healthy Habits Within Reach
Our annual magazine, Comp News, came out in March, focusing on simple strategies for helping workers achieve their healthy goals, and being safer in the process. Studies show that healthy workers get hurt less, are more productive and engaged, and have lower insurance costs. Safe and healthy workplaces also attract and keep top talent, and contribute to healthy communities. The magazine also included stories on a local transit company’s wellness efforts, skin cancer awareness, and hidden sugars.


Saskatchewan WCB Hosts 20th Annual Conference
On March 20 and 21, the Saskatchewan Workers’ Compensation Board (WCB) hosted 500 workers and employers at the free annual Compensation Institute event. The WCB hosts this event each year for employers, safety professionals, workers, and WCB staff to learn about current issues, best practices in injury prevention, case management, disability management, and return to work.

Participants attended sessions by 23 different speakers from around the world, including Dr. Gregor Kemper from the German Institute of Accident Insurance; safety and leadership engagement expert Eddie Lemoine; retired RCMP officer Ed Secondiak speaking on the safety implications of legalizing marijuana; and injured worker Spencer Beach, who gave a moving safety presentation.

A conference highlight is the annual WorkSafe Saskatchewan Safe Worker and Safe Employer awards luncheon, recognizing six of Saskatchewan’s safe workers and employers.

Each year the conference quickly reaches full capacity. To learn more, visit

To be notified about the 2018 conference and other Saskatchewan WCB news, sign up at

Saskatchewan WCB Enhancing Rate Model
In 2016, the Saskatchewan WCB announced it would be enhancing its Rate Model. A 2015 Asset Liability Study conducted by an independent actuary suggested a review of the Rate Model. The subsequent review of the WCB’s Rate Model performed in 2016 by independent actuary Eckler Ltd. led to recommendations that are being adopted by the WCB to enhance its Rate Model.

The changes to the Rate Model will impact the premiums employers pay, and the WCB embarked on a series of education and information sessions in November and December 2016 to inform employers of the changes.

This year, the WCB also held a series of industry-specific sessions in February and March. Over 1,500 employers have participated in the sessions in person or via webinar.

The WCB will transition to the enhanced Rate Model in 2018. The WCB has asked employers to provide feedback on how the transition to the enhanced model will occur.

Click here to read more.

Saskatchewan WCB Announces 2016 Injury Rates
In 2016, the Saskatchewan WCB maintained 47,907 active employer accounts, covering 420,279 Saskatchewan workers.

Eighty-eight percent of these employers had zero injuries in 2016 and over 85 percent of WCB rate codes had lower total injury rates in 2016 than in 2015.

The total workplace injury rate for 2016 was 5.55 percent, an 11.9 percent drop from 2015, and a significant decrease from 2008, when the total injury rate was 10.21 percent. Total claims fell 2,220 from 2015, an 8.69 percent decrease.

The Time Loss injury rate decreased from 2.07 percent to 1.86 percent. Time loss claims fell by 604 claims to 7,813. This is the lowest Time Loss injury rate in Saskatchewan in 64 years.

The provincial fatality rate has also decreased. It dropped by 18.24 percent from 2002 to 2016. There were 31 fatalities in 2016.

The WCB’s call to action is Mission: Zero—zero injuries, zero fatalities, and zero suffering. The board and its partnership in WorkSafe Saskatchewan is striving to make the province a safer place to live, work, and play.


$260 Million Dividend Announced for 2017
Texas Mutual’s board of directors voted in April to approve a company-record $260 million dividend distribution in 2017. Qualifying policyholder owners across Texas will share the dividend, which will be distributed beginning in June.

Texas Mutual has paid more than $2.2 billion in dividends over the last 19 years, with over $1 billion of that paid in the last five years alone. Texas Mutual is owned by its policyholders and is proud to share its success by distributing dividends to business owners who have made a commitment to preventing workplace accidents and helping injured workers get back on the job.

Texas Mutual Named a Best Company to Work for in Texas
Texas Mutual was recently named a Best Company to Work for in Texas, ranking 15th among large employers chosen for the award. The recognition is awarded based on a number of factors, such as company culture, benefits, employee engagement, and satisfaction. This marks the sixth year we have made the list recognizing the best 100 companies to work for across Texas.

A New Look at Return-to-Work Success
Last fall, Texas Mutual set out to tell the stories of injured workers who persevered through catastrophic accidents and were able to return to the life they love. The last of four videos depicting these stories was just released, with each video featuring an injured worker's powerful story. For some, success meant returning to work, and for others, it meant pursuing education or a new career.

From Ronnie telling about his road to recovery after losing both arms while working on a power line, to Josh's story of coming back to the job he loved after falling through a skylight, the response to their experiences has been overwhelming. Employers and workers have been able to see a new side of return-to-work through the stories of Ronnie, Chuy, Josh, and Lonnie. By seeing real-life recovery, the role employers play, and the support Texas Mutual provides along the way, return-to-work is no longer an abstract concept. 

To view Texas Mutual's return-to-work success videos, visit

Texas Mutual Introduces Fast Track Renewals
Texas Mutual recently began offering fast track renewals for agents to save time and make the renewal process simple and easy. Fast track renewals are low touch for agents but provide the same great service as regular renewals. The process expedites renewals for smaller clients while still keeping agents in control, allowing them to focus on providing great service to our mutual clients. The program has already shown an increase in renewal rates and positive feedback from agents and policyholders.  



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