American Association of State Compensation insurance Fund
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member fund.

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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Alberta, Colorado, Louisiana, Maine, Maryland, Montana, New Brunswick, Northwest Territories and Nunavut,  Ohio, Oregon, Texas

Alberta – Workers’ Compensation Board
Heads Up: getting our info to where young workers are
The Heads Up – Young Worker Safety team is working hard to spread the safety message through channels young workers use — namely Facebook, Twitter and, most recently, blogging.

Since launching a Facebook fan page in September of 2010, the Heads Up team has seen significant gains in engagement and interaction with young workers. Here are a few stats:

-The Heads Up page has gained over 600 followers
-Our ‘likes’ have nearly quadrupled since September 2010, doubling in size since January
-Through Facebook advertising, posting more often and linking to articles on safety, we’ve increased the comments on our page by 50 per cent and the likes by another 100 per cent since July 2011.

Our Twitter account has seen a steady increase in followers in the past four months. The three main users of the account, Chris, Meg and Matt, have created personal relationships through their Twitter personalities. These three young workers post links to the Heads Up blog as well as articles of interest, and interacts with both safety professionals and young workers alike on a daily basis. The tone is young, fun and informal.

Blog views nearly tripled from the time the Heads Up team posted their first blog to the third blog. Blog views have steadily risen — we had 79 blog views in the first four days of November — the same number we did in the first month of the blog’s life. We recently had a record high of blog views in a month — 400 — and are looking to increase this total in the coming year by leveraging our Twitter and Facebook community follower and fan base.

Going forward
This next year will mark the launch of the new Heads Up comic, which will be posted on a biweekly basis for all of 2012. Follow our unnamed hero as he is presented with safety challenges and villains. Who is our hero? Will he survive? Find out all that and more by following our blog this coming year.

Join us on Facebook (Heads Up – Young Worker Safety), Twitter (@HeadsUpAB) and on our blog (

Heads Up is WCB-Alberta’s young worker safety awareness campaign. It started in 1999 and has modestly evolved to leverage new ways of connecting with young working Albertans.

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Colorado – Pinnacol Assurance

  • Earlier this year, Governor John Hickenlooper asked Pinnacol Assurance’s board of directors to develop a long-term plan for Pinnacol to ensure the company’s success. Pinnacol’s management and board of directors conducted the initial steps of a comprehensive due diligence process and unanimously authorized pursuing a restructuring proposal, which was sent to Gov. Hickenlooper in early November. The proposal recommends restructuring Pinnacol into a mutual insurance company owned by its policyholders. After receiving the proposal, Gov. Hickenlooper announced the appointment of a stakeholder task force made up of representatives from some of the key groups and interests that would be affected by the Pinnacol restructuring. Through early 2012, the panel will review the proposal and, at the end of its review, report back to the governor and provide guidance on potential legislation. During this time, Pinnacol will also be meeting regularly with its stakeholders — including policyholders, agents and employees — to discuss the proposal and to answer questions and address concerns. A copy of the proposal and other related information are available on our website at
  • Recently, Pinnacol made two important charitable donations. In November, the company made a $5,000 donation to the Denver Rescue Mission’s annual Turkey Drive campaign. This donation helped The Denver Rescue Mission, a non-profit organization dedicated to serving the needs of the homeless and needy in the Denver metro area, buy over 400 turkeys. Pinnacol’s second donation was in support of “Colorado Gives Day.” As a way to demonstrate our ongoing commitment to corporate citizenship, Pinnacol donated $10,000 to be shared among all of the Pinnacol volunteer partner organizations that participated in this event. “Colorado Gives Day” is one of the largest online charitable giving campaigns in Colorado; its goal is to support the non-profits that protect and nurture quality of life in our state.
  • After years of steady decline, workers’ compensation insurance rates are increasing for the second year in a row. Pinnacol’s board of directors has approved a 5.3 percent rate increase, which goes into effect Jan. 1, 2012. This rate adjustment is consistent with the 3.7 percent loss cost increase ordered by the Colorado Division of Insurance (DOI) and also takes into account Pinnacol’s specific book of business. Even with this year’s increase, Pinnacol’s rate trends reflect a cumulative decrease of almost 28 percent in the last five years. In 2010, Colorado’s workers compensation rates were ranked the fifth-lowest in the country.
  • Pinnacol recently announced the debut of four new training webinars. Beginning in early 2012, policyholders will have access to Pinnacol’s most popular training sessions online 24/7. Topics covered in these webinars include:

- Accident Investigation
- Defensive Driving
- Safety Program Development
- Slips, Trips and Falls Prevention

Policyholders can access the webinars by logging in to Pinnacol Online from Pinnacol’s website at

  • Pinnacol’s communications team recently won two Gold Leaf Awards, a Silver Leaf Award and two Bronze Leaf Awards from Colorado Healthcare Communicators (CHC). The awards were given in five separate categories including internal communication programs, external communication programs, annual reports, video presentations and printed newsletters. The CHC Gold Leaf Awards recognize exemplary health care communication programs and elements across the state. The awards were judged on planning, goals, implementation, results, evaluation and budgets.
  • Pinnacol is getting close to achieving the goal of 30,000 participants in our Health Risk Management (HRM) program. To date, 25,895 policyholders’ employees are enrolled. Recently, Integrated Benefits Institute (IBI) completed a study using Pinnacol’s HRM data. The study was designed to assess how work stress influences job performance. The results showed that as workplace stress levels increase, job performance decreases. The study also investigated the impact of employee health status and found that an individual’s health plays an important role in how he or she experiences work stress. IBI’s study showed that 27 percent of employees in excellent health never experience work stress compared to 6 percent of fair or poor health status employees. Participants in Pinnacol’s HRM program receive tools and support through individual health coaching sessions aimed at helping employees reduce stress and improve their health.

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Louisiana - Louisiana Workers’ Compensation Corporation
LWCC Inducted Into Palladium Hall of Fame
Louisiana Workers’ Compensation Corporation (LWCC) was one of seven organizations inducted into the 2011 Palladium Balanced Scorecard Hall of Fame for Executing Strategy® at the Palladium 2011 Americas Summit on November 9 in San Diego.

Members of the Hall of Fame are recognized as organizations that have achieved premium returns through outstanding execution using the Balanced Scorecard, the world’s preeminent strategy and performance management system that links strategy to operations to drive business outcomes. The Balanced Scorecard concept was created by Palladium Group, Inc. co-founders Drs. Robert S. Kaplan and David P. Norton, worldwide authorities on strategic performance measurement and management.

Larry Yuspeh (center), LWCC Director of Research, Development & Strategy Management, is flanked by Dr. Robert S. Kaplan (left) and Dr. David P. Norton, co-founders of Palladium Group, Inc. Yuspeh accepted on behalf of LWCC when it was inducted into the 2011 Palladium Balanced Scorecard Hall of Fame for Executing Strategy®.

The diverse group of top-performing Hall of Fame recipients represents a broad spectrum of industries from the public and private sectors throughout the world, including government, consumer, health care, financial, education and nonprofit, telecom and information technology, energy and utilities, and material and industrial. Winners are selected based on the quality of their Balanced Scorecard implementation and the results they demonstrate over a period of at least two years.

Founded in 2000, Palladium’s Hall of Fame program has a roster of 166 honorees in more than 20 countries. Past recipients include such companies as Best Buy; Cisco Systems, Inc.; Dupont; Hilton; Ingersoll Rand; Lockheed Martin; Motorola; Saatchi & Saatchi; UPS; and Wells Fargo.

“LWCC is honored to be chosen as a Palladium Balanced Scorecard Hall of Fame inductee,” said President and CEO Kristin Wall. “The Balanced Scorecard principles have been followed by our company since 2001, and the results speak for themselves. This approach to strategic decision making has been instrumental to the success of our company and has focused and disciplined our organization.

“Strategic planning is only half the battle, however. The greatest strategic plan in the world is meaningless unless it is accompanied by precise execution. The genius of the Balanced Scorecard is that it promotes effective communication. We’ve found here at the LWCC that if we think clearly and communicate effectively, our employees can achieve anything.”

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Maine - MEMIC

MEMIC on the move
MEMIC is expanding operations. We acquired a Vermont-based insurer, and we’re opening offices in Pennsylvania and New Jersey next year. Both are part of our careful growth strategy that has been gaining strength in New England and is now moving into the Mid-Atlantic states.

Melvin Sparksdale ignites dividend marketing campaign
This fall, MEMIC mailed $12 million in dividends to Maine policyholders, an increase of $1 million over the previous year. But this year we had help from an imaginary character named Melvin Sparksdale, a postal carrier, who seemingly delivered 18,809 checks in a series of 60-second radio spots. MEMIC has returned $133 million in dividends since 1998.

We tracked the campaign and posted links to the radio spots on our website at as well as created a Facebook tab for Mel:

Three service improvements
Using feedback from our website users, we improved our online injury reporting application. A few of the new features include a simplified injury list, a multipage layout and pre-filled data for registered users.

We also introduced online billing and payment. Now policyholders can create secure accounts to view and pay their MEMIC invoices. They can add or delete bank accounts, make one-time payments, schedule future payments, arrange automatic payments, and opt for paperless billing and e-mail notifications too.

Last but not least, our policyholders—through our enhanced Comp-As-You-Go program—can calculate and pay premium one payroll period at a time using the payroll service they already use.

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- IWIF Workers’ Compensation Insurance

George Matthews retires from IWIF
George Matthews, AAI, Executive Vice President of Insurance Operations, retired in January 2012. One of his many major accomplishments over the course of his 16-year IWIF career was developing the agent distribution channel for IWIF and fostering strong relationships with the agent/broker community.

“It is with bittersweet sentiment that I inform you that I will retire from my position at IWIF early next year,” said George Matthews.

New Leader of Marketing & Business Development
Former Maryland Insurance Commissioner R. Steven Orr, CPCU, recently joined IWIF’s management team as Senior Vice President of Information Systems. In addition to managing all aspects of IS Operations, Steve also will oversee the Marketing & Business Development function. Steve said that he is looking forward to working with agents and reinforcing IWIF’s commitment to maintaining the agent distribution channel as the primary means of selling IWIF.

New Organizational Structure
To prepare for the next chapter in IWIF’s development, IWIF President and CEO Tom Phelan shared his vision for a new organizational structure:

Chief Financial Officer Paige Beck, CPA, has taken on a dual role and assumed new responsibilities as Chief Administrative Officer. As CFO/CAO, Paige oversees all financial, administrative and corporate support departments at IWIF.

Tim Michels, Esq., was promoted to Chief Operations Officer.  Tim oversees all IWIF’s operations departments. Formerly, Tim was Executive Vice President of Claims.

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Montana - Montana State Fund

MSF Kicks Off “Work Heals” Campaign
As we are all well aware,  an effective “Return to Work” program can help speed up an injured employee’s recovery, improve  his self-esteem and reduce the financial impact on a company's bottom-line.

With that said, MSF kicked off our new “Work Heals” Return to Work statewide media campaign in October.

“You don’t get injured employees healed to get back to work," said Carl Kochman, Communications Leader at Montana State Fund. "You get them back to work to get them healed. We truly believe that work heals and we want to impart this message to our policyholders and injured employees.”

The campaign has aired on television and radio spots, was posted on billboards and appeared as print advertisements in a number of trade publications.

The advertisements have been well received by the public and media outlets. Our staff has taken part in a number of radio, TV and newspaper stories outlining the reasons behind return to work programs.  We also received a positive newspaper editorial about our RTW efforts in Helena’s Independent Record.

To help employers create an RTW program we have a dedicated RTW section on our safety website In addition, we offer a free Return to Work Kit that includes information on the benefits of an RTW program, guidelines for setting up a program and forms for managing incidents.

MSF Declares Dividend for the Thirteenth Consecutive Year
At their November 18, 2011, meeting the MSF board of directors authorized a $6 million dividend, which will be paid to about 21,000 qualifying policyholders. This is the thirteenth consecutive year MSF has been able to rewarded customers with superior safety records.

“MSF’s Board was pleased that it could return dividends to companies who worked safer,” said board Chair, Elizabeth Best. She added, “we need to take care of workers because they are employers' most valuable asset.  We should never forget that safety is about the lives of real people. The fact that in these difficult economic times, these companies that have good safety records and performance were going to get a return on their workers’ compensation premiums was something that the Board wanted to emphasize.”

Laurence Hubbard, President/CEO of Montana State Fund said, “our customers and their employees commitment to workplace safety helps keep the human and financial cost of workers’ compensation as low as possible.”  Hubbard also encouraged businesses to take advantage of Montana State Fund’s safety education and services available through safety consultations, free safety workshops and MSF’s safety focused website

Since 1999, Montana State Fund has awarded $64 million in general dividend payments as a reward for workplace safety.

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New Brunswick – WorkSafeNB

WorkSafeNB launches Warm-up and Stretch DVD
While not generally thought of as a dangerous work environment, New Brunswick’s nursing homes led the province in injury claims last year with over 400 cases.

To help reverse the trend, WorkSafeNB developed a Warm-Up and Stretch DVD, which premièred at the organization’s Annual Health and Safety Conference on October 13.

Jane Logan, a WorkSafeNB occupational health and safety analyst, said a strategy was needed to help combat the high rates of soft tissue injuries.

“The cause of these injuries generally results from client handling - moving, bathing and dressing. We’ve recognized the injuries are increasing so there is a new focus on safe patient handling as part of a MSI prevention program.”

One component to prevention is ensuring muscles are properly warmed up before a work shift. Ergonomics consultants frequently compare working with cold muscles to trying to start a car engine on a frigid winter morning.

The bilingual DVD demonstrates how to do a full-body warm-up before a shift, and is a companion piece to the Warm-Up and Stretch series. A poster, pamphlet and pocket card are also available.

“The DVD is divided into two parts. The first is a teaching tool, with instruction and demonstration on how to properly perform a stretch,” Logan said. “Once workers are familiar with the techniques, they can move onto the more advanced version which leads them through a full-body stretch in under 10 minutes.”

For Minerva Porelle, an industry veteran of 22 years with Lincourt Manor in St. Stephen, the launch was highly anticipated.

“We actually have higher injury rates than construction sites, so something needed to be done. We believe working with WorkSafeNB with everyone on board is essential for success.”

Porelle also serves as the president of the CUPE Local 3392 and has represented the province on the CUPE National Health and Safety Committee since 2007. She said the video coincides with the union’s belief that every worker has a right to return home safe and uninjured at the end of the workday.

“CUPE supports any initiative that fosters a safe work environment, particularly when it’s effectively integrated into the work day. That’s what this video does. When done at the beginning of a shift, not only does it prepare the body, but it gets workers in the frame of mind to work safely.”

Worksafe VP Gets Appointment
Shelly Dauphinee, vice-president of Worksafe Services was appointed to a four-year term as governor representing New Brunswick for the Canadian Centre for Occupational Health and Safety.

"I am pleased that Ms. Dauphinee has accepted this position," said Labour Minister Lisa Raitt. "As a results-oriented leader, her management experience in health and safety programs spanning over 15 years will be an asset to the Centre."

Dauphinee has held several executive positions during her career. Before taking on her current role as vice-president of Worksafe Services, she was director of planning and policy for WorkSafeNB and Atlantic director of policy at the Canadian Red Cross.
The Canadian Centre for Occupational Health and Safety, located in Hamilton, Ontario, was created in 1978 to promote the fundamental right of Canadians to a healthy and safe working environment.

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Northwest Territories and Nunavut
Northwest Territories Mine takes Western Regionals
When the Diavik Diamond Mine Rescue team received a call about a man unaccounted for underground and reports of heavy smoke, with no ventilation flow in the area, they jumped into action. With a low ceiling and smoke so thick, they could not see their hands in front of their masks; the team of five dropped to their hands and knees and crawled through the broken rock to find the missing person. Within 45 minutes, the team found the missing man in a compressed air line tent awaiting the rescue team and safety.

The heavy smoke, a result of sophisticated generators, the missing man was a team bus driver, and the broken rock was not 450 metres underground at Diavik, but on the grass field in Fernie, British Columbia, where the team took the 10th National Western Regional Mine Rescue Competition title on September 10. Even though staged, the team carried out the rescue no less valiantly than if it were real.

The team qualified for the regional competition by placing in the top two spots at the Workers' Safety and Compensation Commission (WSCC) Mine Rescue competition this summer in Yellowknife.

Students Power Up with the WSCC
On December 6 and 7, 2011, the WSCC hosted over 50 young men and women who scavenged WSCC offices and left wearing a bright white Tyvek cover-all suit.

Skills Canada holds their Power Up! Conference every year, allowing Grade 8 students from across the Northwest Territories to participate in workshops to learn about career options available to them.  The WSCC participated once again this year with its  ‘Scavenge for Safety!” workshop.  Groups of students competed in a scavenger hunt, where they explored all four floors of the WSCC’s head office, keeping their eyes peeled for special safety alerts.  Once found, they answered the safety questions and returned with the answer card.  The first team back with all the correct answers won bragging rights and a special prize.

Once the hunt completed, students participated in a safety classroom exercise, where they learned about the dangers of hearing loss and how to properly use ear plugs.  They also learned about the dangers of chemical exposure, where students dressed in Tyvek suits and then dusted with particles.

Overall, the event was a success, with many students declaring the WSCC workshop their favourite of the day.  We hope we met more than one future safety officer in the bunch!

Enhancing Customer Services
The WSCC responds to stakeholders by enhancing its customer service… through a secure and convenient online bill payment option. Stakeholders can now pay their assessments online through their financial institution.

The WSCC will go live with new monthly statements starting in January 2012. The easy to understand statement eliminates the need to send out Assessment Notices.

Embracing the Spirit of Christmas
Instead of collecting money to donate to an organization, WSCC employees made specific contributions to three local families. Through the K’alemi Dene School in N'Dilo, employees identified three families in need, with a total of ten children, boys and girls, ranging in ages from 17 years to 7 months.

A payroll officer spearheaded this year’s fundraising with weekly mini-draws of Christmas ornaments. She also encouraged all employees to take on fundraising initiatives for the “Christmas families.” One floor put together a Christmas Gift basket, including two First Air plane tickets; while another sold mittens for ten dollars each to decorate their Christmas tree and to buy winter clothing. The Medical Services office collected stocking stuffers for parents and children and a silent auction finished off the fundraising efforts.

“We are fortunate. My kids don’t know what it’s like to be without a Christmas tree loaded up with gifts,” says the volunteer shopping coordinator.” It always feels good to make someone’s holiday better.”

A particular fundraising highlight, WSCC Senior Management merrily donated their pride taking employee bids to receive a pie in the face. There was stiff competition, but in the end, President and CEO Dave Grundy got the honours. 

The combined efforts raised around $5000 for our Christmas Families!  Volunteers will shop, wrap and deliver gifts by Tuesday before Christmas. The care packages include gift certificates for groceries.

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Ohio - Ohio Bureau of Workers’ Compensation

Ohio, nationwide trends drive addition of two new offerings
Two new offerings from the Ohio Bureau of Workers’ Compensation (BWC) will help Ohio employers promote a healthy workforce and return injured workers back to their jobs faster. BWC’s board of directors approved the Workplace Wellness Program and Destination: Excellence at its December meeting.  The board acted in response to a number of trends that have developed across the state and country.

BWC developed the Workplace Wellness Program to help employers meet the challenges related to rising incidences of obesity and chronic disease. The grant program will make $4 million available to employers during a four-year period. These grants will help employers create programs to control escalating costs of workers’ compensation claims associated with these health risk factors.

“Health factors like obesity and chronic disease can contribute to workplace injuries and slow the recovery of an injured worker,” said BWC Administrator/CEO Stephen Buehrer. “By promoting wellness programs in the workplace, we are helping improve the quality of life for working Ohioans and their families, as well as helping reduce costs for Ohio’s employers.”

Destination: Excellence aims to improve return-to-work rates by offering employers more choice in building a risk-management plan that focuses on safety, prevention and returning injured workers to their jobs faster. The cafeteria-style plan allows employers to select among seven new and existing program options to customize a plan that addresses their specific needs (fact sheet).

“We have designed a rating plan that aligns with our top priority of preventing injuries and getting injured workers healthy and back to work sooner,” said Buehrer. “A quick return to work has the dual benefit of saving money, but more importantly, it increases the chances of a positive outcome for the injured worker.”

One Ohio injured worker’s story serves as an inspiration going forward
At 38 years old, Terry Morgan was a youth pastor doing mission work in Brazil. While repairing a school roof he fell approximately 20 feet onto concrete.

Terry had a traumatic brain injury (TBI) which included a skull fracture with intracranial injuries.  This resulted in a concussion with a subsequent post-concussion syndrome.  Due to his TBI, he was in a coma for four days, and he also partially lost his senses of hearing, smell and taste. Other injuries included four fractured vertebrae and a dislocated jaw.

Terry’s return-to-work journey is an inspiring story that Buehrer shared with staff during a recent series of meetings to discuss plans for the future, all focused on producing positive outcomes for injured workers, and affordable rates for Ohio’s businesses.

Terry’s story brings great meaning to BWC’s focus going forward on how to better serve injured workers by getting them healthy and back to work sooner.

See Terry’s story here.

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Oregon – SAIF Corporation
SAIF Corporation’s Other States Coverage program exceeds expectations
As of November 14, SAIF Corporation’s Other States Coverage (OSC) program has exceeded its first-year expectations. On November 18, 2010, SAIF received formal approval from the Oregon Department of Consumer and Business Services to implement the program, which now covers Oregon policyholders with operations in 48 states and the District of Columbia.

Zurich North American Insurance Company issues policies covering the non-Oregon operations of SAIF’s Oregon customers and manages claims arising from those policies. USIS, a broker licensed in all 50 states, provides marketing and administrative services.

SAIF Wins Healthiest Employer Awards  
In October, Portland Business Journal presented SAIF Corporation with the third place award for “Healthiest Employer in Oregon” in the 500- to 1,500-employee category. SAIF also received the American Heart Association’s gold award as a “Start! Fit-Friendly Company.” Both awards recognize employers that are committed to creating a healthy workplace.

Come to Portland in 2012
The 2012 AASCIF conference, hosted by SAIF Corporation, has launched a website and a Facebook page where you can find information about the conference and learn more about the city of Portland.  Be sure to visit those sites often to stay updated on AASCIF 2012, to be held July 22-25 at the Nines Hotel in Portland.

2012 Comp News Calendar has Arrived
In its 2012 Comp News calendar, SAIF Corporation has focused on exporting and its importance to the Oregon economy.  Approximately one-quarter of the state’s total manufacturing jobs depend on exporting, and most Oregon exporters are small- and medium-sized businesses. SAIF featured 13 exporters in the calendar. You can find the calendar at



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Texas - Texas Mutual
NFIB, Texas Mutual partnership pays $819K dividend
Texas Mutual Insurance Company paid an $819,218 dividend to the National Federation of Independent Business (NFIB) safety group for manufacturers. The dividend was based largely on the group’s overall loss ratio.

Bob Barnes, chair of Texas Mutual’s board of directors, and Ron Wright, Texas Mutual president, presented the check in December to NFIB/Texas Executive Director Will Newton at Texas Mutual’s headquarters in Austin.

“Entrepreneurs are the backbone of our economy,” said Barnes. “As an independent business owner, I am proud of the partnership Texas Mutual has forged with the NFIB. Anytime we have the opportunity to invest in Texas entrepreneurs, we consider it money well spent.”

Board elects new officers
At its December meeting, Texas Mutual’s board of directors elected Linda Foster-Smith vice chair and re-elected Jay Eisen secretary.

Foster-Smith is retired from AT&T, where she worked for 37 years, the last 15 years as director of external affairs for the Permian Basin. Eisen, a longtime Texas Mutual policyholder, is president of Sampson Steel Corporation.

Texas Mutual welcomes new vice president of underwriting
Texas Mutual has promoted Jeff Lentz from senior manager of underwriting and marketing to vice president of underwriting.

Lentz has more than 18 years of experience executing underwriting strategies and more than 11 years in management. Prior to joining Texas Mutual in 2004, Lentz held underwriting management positions for Royal & Sunalliance USA.




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