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Workers' Compensation Coverage
Workers’ Compensation Coverage for State Agencies
  • State Law requires state government to insure its workers’ compensation liability with SAIF, see ORS 656.017(2).
  • SAIF is a public corporation evolved from the former state accident insurance fund.
  • DAS-RMD (Department of Administrative Services-Risk Management Division) is responsible for the procurement of workers’ compensation insurance from SAIF on behalf of all state government agencies, see ORS 278.405(1).
  • State agencies are covered under a single workers’ compensation insurance policy.
  • SAIF has designated a team to service the state account. This "Oregon Team" includes: claims adjusters, loss control consultants, return to work specialists and an occupational health nurse.
Who does what?
  • SAIF investigates, adjusts and pays state employees´ claims.
  • SAIF bills DAS-RMD for claim costs plus expenses monthly.
  • DAS-RMD pays SAIF from the Self-Insurance Fund.
  • DAS-RMD annually allocates the cost of coverage among state agencies.
So, each state agency is responsible to:
  • Implement safety programs which comply with applicable OR-OSHA regulations.
  • Pursue loss control activities to reduce the risk of injury or illness and minimize disability to state employees.
  • Organize systems for claim reporting, incident fact finding, process or practice correction and hazard abatement.
  • Institute Injured Worker Management programs.
  • Control the cost of loss due to work caused injury or illness.
Here is information on SAIF´s Oregon Team.  Learn more about SAIF by visiting their website at www.saif.com.