American Association of State Compensation insurance Fund
Canada and USAFind a Member
North America Map Yukon British Columbia Alberta Saskatchewan Manitoba Ontario New Brunswick Prince Edward Island Nova Scotia Maine Washington Oregon Idaho Montana Wyoming North Dakota Minnesota New York Rhode Island California Utah Colorado Missouri Kentucky Ohio Pennsylvania Maryland New Mexico Oklahoma Texas Louisiana South Carolina Hawaii

Magnifying GlassSelect a state or province from the map above to get primary contact and web information for any
member fund.


CopperPoint Mutual Insurance Company
Phone: (602) 631-2000
Address: 3030 North Third Street
Phoenix, AZ   85012
Website: www.copperpoint.com

State Compensation Insurance Fund
Phone: 888-STATEFUNDCA
Address: 333 Bush Street
Suite 800
San Francisco, CA   94104
Website: www.statefundca.com

Pinnacol Assurance
Phone: (303) 361-4000
Address: 7501 East Lowry Boulevard

Denver, CO   80230-7006
Website: www.pinnacol.com

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

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

Kentucky Employers Mutual Insurance
Phone: (859) 425-7800
Address: 250 West Main Street Suite 900

Lexington, KY   40507-1724
Website: www.kemi.com

Louisiana Workers' Compensation Corporation
Phone: (225) 924-7788
Address: 2237 South Acadian Thruway

Baton Rouge, LA   70808
Website: www.lwcc.com

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

Chesapeake Employers’ Insurance Company
Phone: (410) 494-2000
Address: 8722 Loch Raven Boulevard

Towson, MD   21286-2235
Website: www.ceiwc.com

SFM Mutual Insurance Company
Phone: (952) 838-4200
Address: 3500 American Boulevard West Suite 700

Bloomington, MN   55431-4434
Website: www.sfmic.com

Missouri Employers Mutual Insurance
Phone: (800) 442-0590
Address: 101 N Keene St

Columbia, MO   65201
Website: www.mem-ins.com

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

New Mexico Mutual Group
Phone: (505) 345-7260
Address: 3900 Singer Boulevard NE

Albuquerque, NM   87109
Website: www.newmexicomutual.com

New York State Insurance Fund
Phone: (212) 312-7001
Address: PO Box 66699

Albany, NY   12206
Website: www.nysif.com

Workforce Safety and Insurance
Phone: (701) 328-3800
Address: 1600 East Century Avenue Suite 1

Bismarck, ND   58506-5585
Website: www.WorkforceSafety.com

Ohio Bureau of Workers Compensation
Phone: (800) 644-6292
Address: 30 West Spring Street

Columbus, OH   43215-2256
Website: www.bwc.ohio.gov

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

State Accident Insurance Fund (SAIF)
Phone: (503) 373-8000
Address: 400 High Street SE

Salem, OR   97312-1000
Website: www.saif.com

Pennsylvania State Workers Insurance Fund
Phone: (570) 963-4635
Address: 100 Lackawanna Avenue
P.O. Box 5100
Scranton, PA   18505-5100
Website: www.dli.state.pa.us/swif

Beacon Mutual Insurance Company
Phone: (401) 825-2667
Address: One Beacon Centre

Warwick, RI   02886-1378
Website: www.beaconmutual.com

South Carolina State Accident Fund
Phone: (803) 896-5800
Address: P.O. Box 102100

Columbia, SC   29221-5000
Website: www.saf.sc.gov

Texas Mutual Insurance Company
Phone: (800) 859-5995
Address: 6210 East Highway 290

Austin, TX   78723-1098
Website: www.texasmutual.com

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

Washington Department of Labor and Industries
Phone: (360) 902-5800
Address: P.O. Box 44001

Olympia, WA   98504-4001
Website: www.lni.wa.gov

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

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

Workers Compensation Board of British Columbia (WORKSAFEBC)
Phone: (604) 273-2266
Address: P.O. Box 5350 Station Terminal

Vancouver, BC   V6B 5L5
Website: www.worksafebc.com

Manitoba Workers Compensation Board
Phone: (204) 954-4321
Address: 333 Broadway

Winnipeg, MB   R3C 4W3
Website: www.wcb.mb.ca

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

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

Prince Edward Island Workers Compensation Board
Phone: (902) 368-5680
Address: 14 Weymouth Street

Charlottetown, PE   C1A 7L7
Website: www.wcb.pe.ca

Saskatchewan Workers Compensation Board
Phone: (306) 787-4370
Address: 200 - 1881 Scarth Street

Regina, SK   S4P 4L1
Website: www.wcbsask.com

Puerto Rico State Insurance Fund Corporation
Phone: (787) 793-5959
Address: G.P.O. Box 365028

San Juan, PR   00936-5028
Website: www.cfse.gov.pr
Tools for Members

Member Home

Member Connection: A member-only forum where you can post questions and ideas.

Stat Book: A highly functional analytical tool that provides valuable comparative benchmarking results from among our members who participate.

Online Directory: Get connected with your counterparts through this comprehensive list of AASCIF members with updated phone number, email and website information.

Associate Member Lookup

AASCIF Newsletter

The Reasonable and Necessary Standard and Opioid Controls

By Margy de Movellan, Corporate Counsel, Kentucky Employers’ Mutual Insurance

Opioid use and abuse in workers’ compensation is a significant concern for carriers throughout the nation today and for the foreseeable future. The impact of opioids on workers’ compensation ranges from ability to achieve return-to-work status to problems with addiction and even death. Most states have standards by which physician prescribing is reviewed for reasonableness and necessity, but is this enough? 

Unfortunately, a medical peer review opinion that opioid treatment is not reasonable or necessary may often not be enough to compel the decision-maker to preclude the claimant from obtaining this type of treatment. Often, it becomes a battle of physicians, one who is actively treating the injured worker versus another who is reviewing and often criticizing this treatment on behalf of the carrier. If utilization review by peer physicians is not enough, how does a state effectively address the opioid epidemic? The answer exists in providing information and guidance at all levels: injured worker, treating physician, carrier, insurance regulators, administrative law judges and other decision-makers. 

Education about the costs opioid use and abuse have on society as a whole, coupled with the presentation of successful strategies implemented by other jurisdictions, will provide a template by which a state can create policy to address the opioid abuse epidemic. Setting forth specific guidelines by which the providers and decision-makers can compare the proposed treatment of chronic pain of an injured worker to a recommended course of treatment has proven effective.

Many states rely on the Official Disability Guidelines (ODG) and the American College of Occupational and Environmental Medicine (ACOEM) guidelines to assist in providing recommendations for care and setting forth a measuring stick for decision-makers to use in evaluating care. Other states have developed state-specific guidelines addressing chronic pain treatment and long-term opioid use. 

For the states that have not adopted specific guidelines or legislation targeting the issues of opioid use and abuse, it is imperative that a policy be established to broach the problem. Assembling a panel of stakeholders to assess the experiences of other jurisdictions and thoughtfully consider recommendations of professional groups is essential.

The International Association of Industrial Accident Boards and Commissions (IAIABC) is currently preparing a policy guide intended to provide assistance to the workers’ compensation community for management of the issue of opioid use and abuse. To be successful, the workers’ compensation regulatory effort must be coordinated with the medical community. This relationship can be difficult even with the best interest of the injured worker/patient in mind. 

Consideration of the immediate needs of acute pain patients versus chronic pain patients should be undertaken, including: implementing the use of pain management contracts, urine drug screens, state and/or national programs for monitoring of prescriptions, and pain management treatment plans. In an effort to provide a range of possible approaches for establishing opioid policies, IAIABC has compiled information from jurisdictions across the country, publications from professional organizations, and journals reporting results of recent studies relating to opioid use. This guide is certain to provide a much needed reference for states undertaking the challenge of opioid control.

 

none

Home | Contact | Site Map