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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AASCIF Newsletter



Phil Kalin Wins Denver Business Journal’s Most Admired CEO Award
The Most Admired CEO Awards honored Pinnacol Assurance’s own Phil Kalin as an outstanding chief executive in the Denver metro area. Honorees are given the award based on their contributions to the company they lead as well as to the community in which they serve. Hallmarks of an outstanding and admired CEO include a commitment to financial success, quality, workplace wellness, diversity, and philanthropy. An independent panel of individuals from various industries and Denver Business Journal editorial staff judged the nominees.



Colorado Women’s Chamber of Commerce Honors Pinnacol Assurance as a Champion of Change for Women in Business
Each year, the Champions of Change award is presented to companies that shape the future by advancing women in business. Pinnacol was named a top change-maker in the community and received the 2018 Champions of Change Innovation Award. The awards identify companies and organizations of various sizes that are actively and strategically advancing women in business through their commitment to an inclusive, supportive, and empowering culture.

Pinnacol Assurance Receives ‘Big Data’ Digital Leadership Award
Ventana Research recognized Pinnacol Assurance’s software and robotics solution with a 2018 Digital Leadership Award. The annual award program honors technology leaders that have transformed business or information technology processes. Ventana Research is a respected benchmarking business technology research and advisory services firm. Learn more about the solution.

Cake Insure Wins SMA’s 2018 Innovation in Action Award
Strategy Meets Action
, a national advisory and consulting firm specializing in future-focused insurance providers, honored Cake Insure with its 2018 Innovation in Action Award, presented to companies shaping the future of the insurance industry through technology and visionary thinking. SMA recognized Cake for excelling in six of its Seven Fundamentals for a Future-Ready Organization, including utilizing emerging technology, providing a superior customer experience, and innovation. Read more about Cake’s award-winning attributes.

Business Insurance Names Kathy Kranz, Vice President and Chief Financial Officer, as a 2018 Woman to Watch

Each year, Business Insurance recognizes women leaders doing outstanding work in risk management and commercial insurance worldwide. Business Insurance readers nominate candidates for Women to Watch, and a panel of Business Insurance editors selected the honorees based on those nominations. Kranz joined Pinnacol in 2008, and as vice president and chief financial officer, she oversees the financial reporting; business planning; and enterprise risks, audits, and actuarial functions of Pinnacol Assurance.


Pinnacol Assurance Named to Ward’s 50 List of Superior Insurance Providers
Recognizing Pinnacol Assurance’s progression from Colorado’s foremost workers’ compensation provider to a nationwide leader in the insurance field, Aon plc named Pinnacol to Ward’s 50 list of best-performing property-casualty insurance companies in the United States. The annual list ranks insurance providers according to best practices, service, and operational and compensation metrics. The award places Pinnacol Assurance in the top 2 percent of the nearly 3,000 property-casualty insurance providers Aon plc evaluated. Read more about the selection criteria.

Terry Leve, Chief Legal and Corporate Resources Officer, Wins First Chair General Counsel Award
For the second time in two years, Terry Leve was nationally recognized by his peers as one of a select group of general counsels chosen as winners of the 2018 Top General Counsel award. Presented annually by the First Chair legal organization, the award recognizes general counsels who demonstrate exemplary leadership at their companies and in their communities and a commitment to the highest ethical standards and professional excellence.


LWCC Named to 2018 Ward’s 50® Top-Performing Insurance Companies
LWCC has been named to the 2018 Ward’s 50 group of top-performing property-casualty insurance companies by Aon plc, which is a leading global professional services firm providing a broad range of risk, retirement, and health solutions. Ward is the leading operational and compensation benchmarking and best practices service for insurance companies.

“Once again, we are honored that Ward’s 50 has recognized LWCC as a top performer,” stated LWCC president and CEO Kristin Wall. “It is our purpose of helping Louisiana thrive that drives everyone at LWCC to do our best every day. We are pleased to receive this national designation which demonstrates our financial strength and commitment to the businesses and hardworking employees of Louisiana.”

LWCC is recognized for achieving outstanding results in the areas of safety, consistency, and performance over a five-year period, 2013-2017. This is the thirteenth time since its inception that LWCC has been recognized with this honor. Each Ward’s 50 company has passed all safety and consistency screens and achieved superior performance over the five years analyzed.

“In selecting the Ward’s 50, we identified companies that pass financial stability requirements and measure their ability to grow while maintaining strong capital positions and underwriting results,” said Jeff Rieder, partner and head of Ward benchmarking at Aon.

Ward analyzes nearly 3,000 property-casualty companies domiciled in the United States to identify top performers. The full list of the Ward’s 50 top performers are featured on the Ward Group website at

LWCC Named as One of the 2018 Best Places to Work in Baton Rouge
Caption: LWCC employees attend the 2018 Best Places to Work in Baton Rouge Breakfast

LWCC has been named as one of the 2018 Best Places to Work in Baton Rouge. The awards program is a project of the Greater Baton Rouge Business Report, the Greater Baton Rouge Society for Human Resource Management, and Best Companies Group. This survey and awards program was created in 2014 to identify, recognize, and honor the best places of employment in Baton Rouge, benefiting its economy, its workforce, and businesses.

“We are beyond thrilled that LWCC has been chosen as one of the best places to work in our community,” stated president and CEO Kristin Wall. “It is an honor to be recognized in this way and to be listed among many other great companies. Our people are the key to our success and what makes us great. We owe thanks and appreciation to all of our colleagues within LWCC.”

Companies from across the region entered the two-part process to determine the Best Places to Work in Baton Rouge. The first part consisted of evaluating each company’s workplace policies, practices, and demographics. The second part consisted of an employee survey to measure the employee experience. The combined scores determined the top companies and the final rankings. Best Companies Group managed the overall registration and survey process in Baton Rouge and also analyzed the data and used their expertise to determine the final rankings.

The rankings of the winning companies were released on the morning of September 25 at the Best Places to Work in Baton Rouge Breakfast, hosted by the Greater Baton Rouge Business Report. For more information on the survey process for the Best Places to Work in Baton Rouge program, visit

LWCC Helps Stuff the Bus
Caption: LWCC employees collected school supplies for Baton Rouge area children. Supplies were donated to the WBRZ Stuff the Bus campaign.

LWCC employees helped give back to the children in our surrounding community by participating in Stuff the Bus, a school supplies drive benefiting schoolchildren in the Baton Rouge area. In just three days, employees collected an incredible 970 items, with a total estimated value of $2,152.

Stuff the Bus is hosted each year by Baton Rouge ABC affiliate WBRZ. The campaign collects school supplies to assist parents and teachers in the local community to give their children the adequate tools they need to succeed. This year, WBRZ’s Stuff the Bus drive collected nearly $40,000 worth of goods and stuffed four buses full of supplies.

LWCC Focuses on “Clean Eating” With Eat WELLWCC
LWCC recently enhanced its employee wellness program to include the Eat WELLWCC meal service. The company partnered with Baton Rouge General, a Baton Rouge area hospital known for its exceptional cafeteria, to offer daily breakfast and lunch service on site at an affordable price. Baton Rouge General’s “clean eating” approach provides healthy, convenient, and cost-effective meals for employees.

“Clean eating” encourages consuming more whole foods—such as fruits, vegetables, lean proteins, whole grains, and healthy fats—and limiting highly processed snack foods, sweets, and other packaged foods. The focus is on quality foods instead of calorie counting as the basis for a nutritious diet.

LWCC began offering Eat WELLWCC lunch service in January and added breakfast service in late August. The responses and feedback have been extremely positive, and participation in the service has remained steady. Many employees love the convenience but also reap the benefits of a healthier, cleaner diet.


MEMIC Announces Largest Dividend in 25-Year History
More than 17,000 Maine employers will receive $22 million in dividends this November from The MEMIC Group. “With this record dividend, MEMIC will have returned more than a quarter billion dollars to Maine employers since 1998,” said MEMIC president and CEO Michael Bourque.

MEMIC’s Stowell Receives Award for Patient Safety
Beth Stowell
has been recognized for her leadership, dedication, and innovation with the Rising Tide Award at the 9th Annual Patient Safety Academy, put on by the Muskie School for Public Service at the University of Southern Maine. For more than 30 years, Stowell, a senior MEMIC loss control consultant to the health care industry, has worked to improve safety for patients and their caregivers.

Left to Right: MEMIC president and CEO Michael Bourque with Rising Tide Award recipient Beth Stowell and senior vice president of Loss Control & Safety Services Karl Siegfried.

MEMIC Hires Diffenderfer and Brennan as Safety Management Consultants
As safety management consultants, Susan Diffenderfer and Thomas Brennan will support The MEMIC Group’s continued growth in the Pennsylvania and New Jersey markets. Diffenderfer is a licensed physical therapist with nearly 30 years of experience in industrial health, geriatric care, and wound care in a wide range of settings, including home health, acute rehabilitation, skilled nursing, personal care, outpatient, and hospital. Brennan has more than 20 years of occupational safety experience in the manufacturing and insurance industries working on a wide array of safety and health issues, including OSHA compliance, industrial hygiene, ergonomics, safety training/orientation, and accident investigations. He has effectively supported organizations in a broad range of industries, including healthcare, hospitality, retail, transportation, construction, and agriculture.


Chesapeake Employers Insurance Announces Promotions

Donald Crawley, CPA, was recently promoted to vice president, statistical analysis and reporting. In this new position, Mr. Crawley will help Chesapeake Employers Insurance fully transition to NCCI by overseeing ratemaking, reserving, statistical analysis, and reporting for the company. He is also responsible for collaborating and interfacing with other departments to advance corporate initiatives. Previously, he served as the company’s director of internal audit.


Stephen Friedman, CPA, CIA, CISA, CPCU, was recently promoted to director of internal audit. Mr. Friedman helps ensure the financial security and integrity of Chesapeake Employers by performing advanced level internal audits as a key component of the corporate governance structure. Mr. Friedman also provides professional advice on financial, security, and integrity issues to the president and CEO, senior management staff, audit staff, and board of directors. Prior to his new position, Mr. Friedman was director of security and privacy for the company.


Brian Furr was recently promoted to vice president of legal services, premium audit, and special investigations. In this position, Mr. Furr works with internal and external partners to protect the financial interests of the company and its policyholders. Previously, Mr. Furr was assistant vice president of legal services.



Alaina Liberto was promoted to chief information officer. In this position, Ms. Liberto establishes and executes the information technology strategy for Chesapeake Employers and develops innovative strategies that address the changing marketplace and customer demands. Previously, Ms. Liberto was director of the company’s Project Office.



Scott Trickett was recently promoted to chief information security officer. In this senior management role, Mr. Trickett provides vision and leadership for developing and supporting security initiatives. He directs the planning and implementation of enterprise information systems, business operations, and facility defenses against security breaches. Mr. Trickett also audits the company’s existing IT systems and practices and maintains its security systems. Previously, Mr. Tric



SFM Board Names Miller President and Chief Executive Officer
The SFM Mutual Insurance Co. board of directors has named Terry Miller president and chief executive officer of the organization. Miller’s promotion, effective November 5, is the result of a leadership succession strategy that has been in motion since 2015.

Miller has worked at SFM for over 30 years, serving as the company’s original controller. He has since risen through the ranks, becoming vice president of accounting, vice president of finance, and then senior vice president and CFO. Since April 2016, Miller has held the position of executive vice president and chief operating officer.

“Terry has been an instrumental part of SFM’s success for many years,” said SFM board chair Robert Mars. “His experience, knowledge, and vision make him the ideal person to lead the organization into the future.”

Miller’s appointment comes as SFM president and CEO Bob Lund steps down after leading SFM since May 2007. After a remarkable tenure of leadership at SFM, Lund has chosen to enter a new “career adventure” in private law practice that will allow him to perform pro bono work in the elder law area, among other services.

“SFM has been very fortunate to have strong leadership during its history and Bob’s tenure as CEO has been exceptional,” said Mars. “Under his thoughtful guidance, the company has seen unprecedented growth and risen to new heights of success.”

Before his 12-year stint as president and CEO, Lund was vice president and general counsel. During his time at SFM, he said he’s enjoyed working together with employees to develop a culture of caring for customers and the community at large.

“SFM is in great shape to do even better things in the future,” Lund said. “Terry’s deep experience and commitment to service excellence will serve SFM and its policyholders well.”

Miller credited Lund with taking SFM’s emphasis on service to a new level. “I am thrilled and at the same time humbled that the board chose me to be SFM’s next CEO,” he said. “I plan to follow in Bob’s footsteps and keep moving us forward as the leader in service excellence.”

Miller is a certified public accountant and holds the chartered financial analyst designation. He serves on the board of directors of the Minnesota Workers’ Compensation Reinsurance Association; The Insurance Federation of Minnesota; and Small Sums, a Saint Paul, Minnesota-based nonprofit. He recently was on the board of the Minneapolis Urban League. He’s also a member of the Minnesota Society of CPAs, the American Institute of CPAs, the CFA Institute, and the Insurance Accounting and Systems Association. Miller graduated with honors from the University of Minnesota–Duluth with a bachelor’s degree in accounting and received a master’s degree in business administration from the University of St. Thomas.

“Terry’s exemplary history with the company and his involvement in every aspect of the operation over the past two decades assures SFM, their agents, and their clients that the company has a great leader in position for the future,” said Mars.

About SFM
SFM, headquartered in Bloomington, Minnesota, is a customer-owned mutual insurance company providing Minnesota, Wisconsin, Iowa, Nebraska, and South Dakota employers with workers' compensation coverage. SFM offers workers' compensation insurance solutions for employers of all sizes, including claims and disability management, cost containment, legal assistance and third-party administration. For more information, visit


Dividend Declared
Montana State Fund’s board of directors recently declared a $40-million dividend, which will be shared by approximately 23,200 policyholders. This dividend represents an average return of 28.4% premium paid for policyholders receiving a dividend. Since 1999, MSF has returned $256 million of total dividends.

In addition to providing dividends as a return of premium to our customers, MSF has reduced premium rates or held the rates steady since 2007. In that time, premium rates have been reduced by 42% and are currently at the lowest level in the history of the Montana State Fund.

Growing Safer Workers
Over 1,800 high school students in construction trade and industry classes at 17 Montana schools will be that much safer this year through MSF’s Growing a Safer Montana equipment grants program.

Montana has some of the highest rates of workplace injuries in the nation, leading to MSF partnering with Montana’s high schools to communicate the importance of safety in the workplace for the next generation of Montana’s workers. The goal of the program is to give safety gear and safety information to students and teachers so that they have the tools they need to champion safety, both in their classrooms and in their future professional endeavors.

A safety professional from MSF traveled to each of the high schools to hand out safety gear to the students. Gear included work gloves, welding gloves, welding helmets, face shields, coveralls, hard hats, safety glasses, fall protection gear, safety vests, and ear plugs. In addition, they supplied the teachers with safety materials they can use to reinforce safety awareness in their classrooms. Since the program began in 2017, 2,631 high school students have received help from this safety gear program.


Dr. Dennis Kessler Appointed to Board
NYSIF announced the appointment of Dr. Dennis Kessler to the NYSIF board of commissioners. Dr. Kessler was nominated by Governor Andrew M. Cuomo and confirmed by the New York State Senate on June 20, 2018, for a term of three years.

Dr. Kessler has 30 years of experience in restaurant ownership, real estate, and human resource development and co-owns Kessler Restaurants LLC. At one time, Kessler Restaurants was the largest franchisee in the Friendly’s Restaurant chain and, coupled with the company’s numerous Burger King operations, employed approximately 3,000 people in central and western New York. The company now specializes in commercial real estate development.

Dr. Kessler holds the Edward J. and Agnes V. Ackley endowed chair as Clinical Professor of Entrepreneurship at the University of Rochester Simon Business School.

Dr. Kessler is a former member of the board of trustees of the University of Rochester Medical Center and past chair and commissioner of the City of Rochester Civil Service Commission. He is currently a member of the board of directors of Excellus Blue Cross/Shield of Western New York, president of the Rochester Police Foundation, an advisory board member to Junior Achievement, and an inductee in the Rochester Business Hall of Fame Class of 2006. Dr. Kessler holds a B.S. from the City University of New York, an M.A. in sociology from John Jay College, an M.S.L. from Yale Law School, and LL.M and S.J.D. degrees from Northwestern University Pritzker School of Law.

Joseph Mullen Leads Policyholder Services Business Operations
NYSIF executive director Eric Madoff announced the appointment of Joseph Mullen as director of Policyholder Services Business Operations. Mr. Mullen succeeds John Massetti, who retired on July 13, 2018, after 37 years of service.

In his new role, Mr. Mullen will oversee NYSIF’s statewide Underwriting, Premium Audit, and Field Services operations, along with statewide PHS business office operations. Mr. Mullen will work together with the director of claims business operations, Robert Sammons, to oversee NYSIF business operations throughout the state.

Mr. Mullen has served as NYSIF’s director of administration since 2006 and has more recently assumed a broader role in business operations, leading the Large Policyholder Initiative and other significant projects.

Mr. Mullen also served as director of financial administration. He began his career in 1997 as a budget analyst trainee after graduating from SUNY Oneonta, studying business economics and accounting. He also has an MBA from the College of St. Rose.

Paid Family Leave Update
The New York State Department of Financial Services (DFS) announced the 2019 Paid Family Leave (PFL) employee contribution rate. Starting January 1, 2019, employees will contribute 0.153% of their gross wages per pay period, up from 0.126% in 2018. The maximum annual contribution will be $107.97. Employees earning less than the Statewide Average Weekly Wage (SAWW) of $1,357.11 will pay less than the annual cap.

The raise in the contribution rate reflects an increase in the cost of coverage, which DFS said comes partly because of the scheduled expansion of benefits that will be implemented in phases over the next several years. As part of the 2019 phase, the maximum benefit rate will be 55% of the SAWW—up from 50% this year. The ceiling on allowed leave time is also increasing: eligible employees may take up to 10 weeks of PFL in 2019, up from eight weeks in 2018.

NYSIF recently added features to make navigating the PFL claim process easier for employees of NYSIF disability benefits (DB) policyholders by allowing those who anticipate taking PFL to pre-file their forms to stay ahead of paperwork before their claim begins. Updated PFL-Bonding, PFL-Care, and PFL-Military forms at offer NYSIF DB policyholders and their employees complete information and full instructions for prefiling, or full filing once leave has started.


BWC Pilot Program Addresses Opioid Impact on Workforce
BWC launched a pilot program in October to support employers willing to hire workers struggling to overcome an addiction to opioids and other dangerous substances.

The Opioid Workplace Safety Program provides up to $5 million over two years to help employers in Montgomery, Ross, and Scioto counties to hire, manage, and retain workers in recovery.

“Many employers are struggling to fill jobs because otherwise qualified applicants have a history of substance abuse or addiction,” said Dr. Terry Welsh, BWC’s chief medical officer. “We also know that folks in recovery have a better chance staying sober if they have a job. What we want to do is give employers resources to help them better manage these workers so everyone wins—businesses boost productivity without compromising safety, and workers have a greater chance of a successful recovery.”

BWC will partner with county Alcohol, Drug Addiction, and Mental Health boards to coordinate the pilot program. The boards will identify eligible employers and employees, disperse funding, and measure results.

BWC will cover the following:

  • Reimbursement for pre-employment, random, and reasonable suspicion drug testing.
  • Training for managers/supervisors to help them better manage a workforce that includes individuals in recovery.
  • A forum/venue for “second-chance” employers to share success stories that will encourage others to hire workers in recovery.

More information is available at

BWC Chief Medical Officer Earns Leadership Distinction
BWC’s chief medical officer, Terrence B. Welsh, MD, earned the prestigious Certified Physician Executive (CPE) certification from The American Association for Physician Leadership. The designation indicates that a physician has achieved superior levels of professional excellence and management education while also demonstrating effective health care industry knowledge and leadership skills.

Welsh, who specializes in physical medicine and rehabilitation, spent roughly three years taking more than 200 hours of courses on health care leadership, system governance, physician engagement, and related topics to earn the CPE credential. He said the knowledge and skills he learned through the experience will bolster BWC’s efforts to “create an environment for high-quality, efficient health care delivery in this state.”

Welsh, who joined BWC in August 2017, oversees all medical components of BWC and directs medical policy.

BWC Grant Funds the Development of New Push/Pull Guidelines
BWC’s Ohio Occupational Safety and Health Research Program funded the development of new push/pull guidelines by the Spine Research Institute at The Ohio State University. Based on biomechanics instead of psychophysics, these guidelines help employers design safe pushing and pulling tasks and reduce the risk of costly shoulder and back injuries that are the leading cause of lost work days.

A mobile-friendly web app allows for on-the-spot field analysis.

Interactive Charts Reveal Ohio Workers’ Comp Claims Trends
BWC was pleased to partner with the National Institute of Occupational Safety and Health to produce data visualization charts that display summaries of 1.2 million Ohio workers’ comp injury claims. This interactive tool, covering claims from 2001 to 2011, displays injury trends by year, industry, and diagnosis or cause of injury.


Oregon Employers to Receive Money Back as Workers’ Comp Costs Continue to Decrease
This September, SAIF’s board of directors declared two dividends for customers: a $120 million primary dividend to be paid to SAIF’s policyholders, and an additional $40 million safety performance dividend to be paid based on each policyholder’s safety results.

“We're a not-for-profit insurance company. That means when we have a good year, we're able to return premium directly to our customers in the form of a dividend,” said president and CEO Kerry Barnett. “We also want to give special recognition to customers with strong safety records. Preventing injuries through effective safety programs is the best way to keep rates low for everyone.”

This is the ninth year in a row SAIF has returned a substantial dividend to its customers. On average, eligible customers can expect to receive 28.6 percent of the premium paid in 2017. The dividends are possible because of SAIF's overall financial results, including investment returns and favorable trends in claim costs.

In addition to dividends for SAIF's policyholders, average workers' compensation costs continue to fall for Oregon employers. Since 1990, workplace safety has improved, and claims incidence has gone down 70 percent, with a similar percentage decrease in average pure premium rates.

SAIF Remains One of the Nation’s 10 Healthiest Workplaces
SAIF was recognized as one of the Healthiest Workplaces in America for the third year in a row. The award, presented by Springbuk, recognizes organizations for their commitment to employee health and exceptional corporate wellness programming. SAIF ranked ninth.

This is the third consecutive year SAIF has placed among the healthiest 100 workplaces and the second year SAIF was ranked among the top 10.

SAIF was recognized for its commitment to Total Worker Health, a safety concept that integrates health and well-being with injury prevention and protection. In addition, SAIF stood out for high employee participation—97 percent of SAIF employees participate in the wellness program—and the free onsite Health and Wellness Center for employees.

SAIF also placed first in its size category for the Portland Business Journal's Healthiest Employer in Oregon awards. This is the eighth year SAIF has finished in the top three.

SAIF’s Free Ag Safety Seminars Return This Fall
SAIF is bringing back our free ag safety seminars to 16 cities across Oregon this fall and winter.

“We see about 1,500 injuries in the ag industry a year,” said Reva Hartenstein, senior safety management consultant at SAIF. “We created these seminars to help reduce those numbers—our goal is for every ag worker to go home safe and healthy each night."

This year's sessions will focus on four safety topics: training new employees, best practices for chemical use, conscious decision-making, and safe driving on and off the farm.

SAIF Highlights What You're Missing When You're Looking at Your Phone
You miss a lot of life looking at your phone—and you could also be putting your life in danger.

That's the message in a new video from SAIF highlighting the dangers of distracted walking.

“We've heard a lot about distracted driving, but cell phones can pose a big distraction for pedestrians, too,” said Matt Krell, safety and health services manager at SAIF.

More information about safe walking, and other ways to get active, can be found at

Preparing for an Emergency? Don’t Forget Work!
To celebrate Emergency Preparedness Month in September, SAIF took the opportunity to remind Oregonians about extending their preparations to the workplace.

“We spend so much of our time at work; it's not out of the question that a disaster could strike when we're on the job,” said Leigh Manning, senior safety management consultant at SAIF. “We recommend making a 'go bag' for work as part of emergency preparedness.”

Manning suggests there are different considerations at work than home. “Most people have a good understanding of what supplies they have around the house—whether its canned food or extra medications. But do you know what supplies your employer has on hand already?”

More information—including ideas on what to pack for home, school, and your car—can be found at


Saskatchewan’s 2019 Preliminary Employer Premium Rate Decreases for 12th Consecutive Year
The Saskatchewan Workers’ Compensation Board (WCB) is proposing a drop in its 2019 average employer premium rate to $1.17 per hundred dollars of payroll in 2019 from $1.19 in 2018. This represents a 1.7 percent decrease from 2018 to 2019. This is the 12th consecutive year the rate has dropped while improving benefits and services to injured workers and employers. Not only is the preliminary 2019 rate the WCB’s lowest rate in more than three decades, it’s also 43 percent below the 16-year high of $2.05 in 2004.

Following detailed consultation with affected stakeholders, the 2019 proposed premium rate reflects the WCB’s complete transition to the enhanced rate model that was implemented in 2018. For 2018 only, to mitigate the impact of the move to the enhanced rate model, the WCB drew from the Injury Fund to help employers whose rate codes would increase as a result of moving to the enhanced rate model. For 2019, the premium rates for these rate codes will be calculated under the enhanced model.

The WCB’s 2018 rate-setting sessions with employers were held October 16 and 17 to discuss rate-setting information for the coming year. There are 49,552 employers covered by the Saskatchewan WCB and 50 industry rate codes in Saskatchewan.

Saskatchewan WCB’s CEO Announces His Retirement
The Saskatchewan WCB’s CEO, Peter Federko, has announced his retirement after successfully leading the WCB for almost 25 years. His official retirement date is May 31, 2019.

Since 1994, Federko has played a critical role in the development and growth of the organization, successfully leading initiatives such as the provincial adoption of Mission: Zero and the creation of Safe Saskatchewan while seeing the provincial injury rate decrease; leading the organization towards greater financial stability; and stewarding through significant legislative changes and financial downturns. It was because of his stewardship that the WCB was able to absorb many changes while maintaining care of customers and the resources that have been entrusted to the WCB.

Federko felt that now was the best time to announce his retirement both for him and his family, as well as for the WCB. The WCB is in a very stable place, with strong leadership and clear direction in pursuit of its vision to eliminate injuries and restore abilities.

The board of directors will maintain its focus on eliminating injuries and restoring abilities while improving customer service, both during the transition and as a required skill set of the new CEO.

The WCB looks forward to the continued work and connection with Federko over the coming months and wishes him the best of everything as he embarks on this new chapter.


WCF Insurance Announces Three New Senior Vice President Positions

Kevin Peterson will oversee direct sales, agency relations, and small business starting October 8. Kevin comes to WCF from Nationwide Insurance in Des Moines, Iowa. During his 21 years in the insurance industry, he has held leadership roles in claims, underwriting, and sales.

Kevin earned his bachelor’s degree at the University of Northern Iowa. He has also obtained the Associate in Claims and Certified Property Casualty Underwriting designations.

“We feel very fortunate to have Kevin join our team,” Ray Pickup, WCF CEO and president, said. “He comes with a wealth of experience in sales strategy and distribution design. He also has a proven record of accomplishment in the insurance industry. His leadership will be invaluable as we continue to build and strengthen our core business while offering new product lines and expanding in new areas.”

WCF’s senior vice president, Peggy Larsen, will remain in communications and advertising at WCF but has taken on an additional role as the chair of the WCF Insurance Foundation.

“Peggy is known for her compassion and expertise throughout the community, and we are thrilled she has accepted the position of senior vice president of customer and community relations,” Pickup said. “I know of no better person to oversee WCF’s philanthropic efforts.” Peggy has been with WCF Insurance for more than 24 years. She will also remain the president of WCF’s subsidiary Univantage.

WCF’s Kathryn Clark has been appointed senior vice president of safety and health. Kathryn will also take on the title and duties of WCF’s chief risk officer as of January 1, 2019.

“Kathryn is a tremendous asset to our company and the safety and health community,” WCF CEO and president Ray Pickup said. “She has played a vital role in providing quality injury-prevention services and safety trainings to WCF policyholders and our community partners.”

Kathryn has worked at WCF for more than 21 years in various roles within the safety and health department. Most recently in her role as vice president of safety and health, she has managed a team of 25 health and safety representatives acro



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