Policy information on-line

Policyholders who are registered with the State Insurance Fund can access policy information in the secure area of our web site. The type of policy information available in the secure area is detailed below.

Current policy period details

This area includes pertinent information related to your current policy period.

• the name, telephone number, and e-mail address of the agency assigned to your policy (if you use an agent)
• policy name and number
• policy anniversary date
• estimated annual premium
• outstanding payroll reports (if any)
• outstanding amounts (if any)
• policy status (active, pending cancel, etc.)
• current balance
• policy address and telephone numbers
• policy effective and expiration dates
• deposit amount and billing plan
• e-mod and e-mod history (if applicable)
• endorsements (if any)
• limits of liability (applicable only to Part Two of the policy)
• business name
• entity type
• owners
• business locations
• contact information for SIF team members assigned to your policy

Renewal details

Sixty days prior to the renewal date, information for the renewal policy will be displayed in this area. This includes all of the above information plus:

• class codes and rates effective on the renewal date
• estimated payroll by class code and location
• estimated premium by class code and location
• total estimated annual premium

Current rating details

This area includes the rating information for your current policy period.

• class codes and rates by location
• estimated payroll by class code and location
• estimated premium by class code and location
• estimated annual premium for the current policy year

Financial transactions

This area contains a list of the policy financial transactions for the current policy period plus the last six months of the expired policy period. Financial transactions include:

• Payroll Request--this includes the payroll start and end date and the date the payroll report was sent to the policyholder.
• Payroll Received--this includes the payroll start and end date and the amount of premium the payroll report generated. To see the payroll figures reported and the subsequent premium due by class code, click on "View" in the far right column.
• Payment Received--this includes any debit or credit applied to your account. To see the details of the debit or credit as they appeared on your statement, click on "View" in the far right column.
• Payroll Revision--this includes any change in the amount of premium due because of revisions to the payroll amounts previously reported.

Report of claims

This area displays the claim information for the policy by policy year. Information for each claim includes:

• date of injury
• claim number
• claimant name
• claim disposition (accepted, pending, denied)
• claim status (open or closed)
• nature of the injury
• body part injured
• total medical payments made
• total compensation payments made
• list of each compensation payment and the date paid
• outstanding reserve amount
• incurred losses (payments + reserves)
• examiner name, telephone number, and e-mail address.

Claim information can be exported to a spreadsheet program (like Excel) and then sorted and analyzed as desired.

Loss Experience Analysis Report (LEAR)

This area displays premium and loss information for the current policy year and up to five past policy years. Information for each policy year includes:

• policy period effective date
• Experience Modification Factor
• premium billed
• total losses
• loss ratio
• dividend received (if applicable)
• dividend ratio (if applicable)
• number of open claims
• total number of claims

To see a list of individual claims for the policy year, click on "View" in the Claims Count column.