Workers' compensation overview

In short, workers' compensation insurance provides benefits for workers who are injured or become ill as a result of their work.

How it works

Workers' compensation insurance protects workers by paying for medical treatment and lost wages. It protects employers like you by shielding you from liability lawsuits that might result from work-related injuries or illnesses.

Employers pay premiums to workers' compensation insurance companies like SAIF, and those premiums pay for most of the benefits workers receive if they are injured or suffer an occupational disease as a result of their work.

Workers' comp in Oregon

By law, Oregon employers must carry workers' compensation insurance or be self-insured.

The state legislature makes laws determining the level of benefits and who qualifies for benefits. The Oregon Department of Consumer and Business Services (DCBS) regulates the workers' compensation system to ensure employers provide insurance and that injured or ill workers receive the benefits to which they are entitled.

Learn more about other agencies involved with workers' compensation in Oregon.

SAIF's role

SAIF Corporation, the leading workers' compensation insurance provider in Oregon, is a not-for-profit, state-chartered company. SAIF has been helping Oregon businesses and workers for more than 90 years. We were created by the people of Oregon through the state legislature.

We issue more than 50 percent of the workers' compensation policies in the state - including policies for thousands of small businesses - and we protect over half-a-million workers every day.

Learn more

Oregon has had some form of workers' compensation program since SAIF was established in 1914. The system is designed to prevent or reduce worker injuries; provide appropriate medical treatment and benefits to injured workers; help injured workers recover and return to work as soon as possible; and resolve disputes quickly and fairly.