saif.com

It is important that your payroll records be accurate, because they're a key part of determining how much you pay for workers' comp insurance and in establishing fair payroll reporting for all Oregon employers.

Employer Guide

Reporting a workplace injury

Do you need to report a workplace injury? Start by submitting 801 form.

Employer Guide

Supporting your injured worker

An injury that prevents someone from working is more than a physical obstacle. Injured workers worry about providing for their families and when they can return to work.

Employer Guide

Injured worker benefits

Workers injured on the job may be eligible for several kinds of benefits, including time-loss benefits, coverage of medical treatment, permanent work restrictions, and more.

Employer Guide

Emergency procedures

For severe or fatal workplace injuries

Employer Guide

Avoiding scams

A resource for avoiding scams and phishing attacks.

Employer Guide

Return-to-work programs

SAIF is committed to helping injured workers return to work as early as is medically appropriate. Return-to-work programs play a major role in controlling claim costs.

Employer Guide

EAIP

The Employer-at-Injury Program (EAIP) is one of the financial incentives available to employers and injured workers.

Employer Guide

Preferred Worker Program

Through the Preferred Worker Program, you can receive financial benefits for providing a job for a worker with permanent disabilities.

Employer Guide

Getting started with SAIF

Employer Guide

What is workers' comp?

In short, workers' compensation insurance (often called "workers' comp") provides benefits for workers who become injured or sick as a result of their work.

Employer Guide

Sample workers’ compensation policy

Want to see what a standard workers' comp policy looks like, or learn more about special types of coverage or reporting your payroll? Read on.

Employer Guide

Workers' compensation insurance costs

How much does workers' comp cost? Your insurance premium cost is based on a number of factors. This section identifies many of those factors and explains how they work.

Employer Guide

Keeping rates low

So you'd like to lower your rates, but you don't have a lot of extra time to devote to it. Here are a few tips that may help:

Employer Guide

Other states coverage

If permitted by the other state’s law, coverage for Oregon employees working temporarily in other states is provided under your SAIF policy.

Employer Guide

Nondisabling Claims Reimbursement program

Employer Guide

Renewing your policy

Employer Guide

Changes to your policy

Changes to your policy, business address, ownership, name

Employer Guide

Subcontractors

What contractors need to know about workers' compensation requirements for subcontractors.

Employer Guide

Drivers of leased trucks

Employer Guide

Leased workers

Workers provided to an employer by a worker leasing company through a contractual agreement and for a fee are considered leased workers.

Employer Guide

Out-of-state workers

Your SAIF insurance policy covers many situations where you take an Oregon worker to another state to work. It also provides coverage for some workers you bring into Oregon

Employer Guide

Telecommuters

Telecommuters may or may not be covered by your standard SAIF policy. This section describes the circumstances for inclusion in your policy and payroll reporting requirements for workers who telecommute.

Employer Guide

Volunteers

Volunteers of political subdivisions – public entities such as cities or school districts – are not automatically covered by the subdivision's workers' compensation policy.

Employer Guide

Longshore and harbor workers

Longshore and harbor workers are not automatically covered under your standard workers' comp policy. SAIF only provides coverage under the U. S. Longshore and Harbor Workers' Compensation Act (L&HWCA) if we receive and accept a written request.

Employer Guide

Employers' liability insurance

Employers' liability insurance—with limits of $500,000 per accident and occupational disease—is part of the standard workers' comp insurance policy.

Employer Guide

Waivers of subrogation

Under a waiver of subrogation, the insurer (that's SAIF) gives up the right to seek recovery from a third party who may have caused the injury to your worker

Employer Guide

Management contact list

See below for contact info for upper managers whose departments work with SAIF-appointed agents.

Agent Guide

Advisory councils

Our Agents’ Advisory Councils are a way to share news and ideas and expand communication between us and agents. We encourage you to contact your area representative.

Agent Guide

Keeping rates low

So you’d like to help lower your clients’ rates, but don’t have a lot of extra time to devote to it. Here are a few quick tips that could help.

Agent Guide

Proposal materials

Our proposal materials exemplify our leadership in providing valuable tools to improve workers' comp insurance.

Agent Guide

Out-of-state workers

If you have workers in other states—or bring workers to Oregon from other states—you'll need to determine if your Oregon workers' comp policy covers these workers or if you must obtain workers' comp insurance in the other states, and how to report pa...

Agent Guide

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