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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.
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