Menu

Paying your bill and reporting payroll

This section includes instructions and tips for submitting a payroll report and paying your bill online.

Paying your bill

Log in to pay online

Pay by mail | SAIF, 400 High St SE, Salem, OR, 97312

Payment tips

  • Online payments may be scheduled at any time day or night, including holidays and weekends. 
  • Installment accounts may choose to make a one-time payment or authorize automatic recurring payments from a checking account, savings account, debit card, or credit card. 
  • One-time payments can be made using a debit, credit card, or e-check.
  • Our online system calculates the premiums for you.
  • You can verify the balance of your account at any time.
  • Payments received before 6 p.m. are credited to the policy as of that day, weekends included.
  • Learn how workers' comp rates are calculated on our Premium and rate overview page

Video tutorials

How your payments are calculated (installment accounts)
Your installments are calculated at the beginning of your policy period, based on your estimated annual premium.

Installments generally fit into the following categories

  • Annual: minimum premium $550 
  • Semi-annual: $550.01 to $1,000
  • Quarterly: $1,000.01 to $5,000 
  • 10-pay: $5,000.01 or larger

Changes in your payroll or operations during the year can result in an adjustment to your policy premium. Please notify us of changes in your business to avoid a large adjustment at the end of the policy year.

Reporting payroll 

Log in to report payroll

Report by fax: 503.584.9807

Report by mail: SAIF, 400 High Street SE, Salem, OR 97312

Reporting tips

  • Accurate payroll records are key to determining how much you pay for workers' comp insurance.
  • At the end of each payroll reporting period, we'll send you a form to report your actual "subject" payroll for your covered workers.
  • Please complete your payroll report form and submit it to SAIF by the due date. Failure to return this report and any payment due may initiate cancellation of your coverage.
  • Please round payroll figures to the nearest dollar (do not include cents).
  • Retain all records supporting your payroll figures, including verifiable time records.
  • If you submit your payroll report online or fax it to us, you do not need to mail in the original report.
  • Learn more about whom to report (which workers are reported or not reported).
  • Learn more about what payroll to report and what not to report.

You must submit a payroll report even if:

  • Your account is cancelled.
  • You have a premium audit scheduled.
  • You have no employees/payroll for the period (if you do not have payroll to report, enter "0").

How to revise a report
To make changes to a payroll report previously submitted, please write "REVISED" on the top of the page, cross out the incorrect payroll, and write the correct figures next to it. Please sign, date, and email or fax it to us for processing.

Video tutorials

Printing your report
To print a copy of your payroll report for your records, or to print a previous report:

  1. Select Review from the Payroll Report menu.
  2. Scroll to the reporting period for the report you wish to print.
  3. Click the Print icon.

We encourage you to submit your report electronically. Your other options are:

  • Fax: 503.584.9807
  • Mail: SAIF, 400 High Street SE, Salem, OR 97312

___________________________________________________________________

Installment accounts

How to report your payroll | Employers who make predetermined installment payments will receive one payroll report at the end of each policy year. To get started, go to your Workers' Compensation Payroll Report or SAIF's online payroll reporting system.

Payroll report period | The payroll reported should be the amount paid to workers during the specified period shown on the report. See our What payroll to report page for more information.

Classification description | This section shows classification descriptions that reflect your business operations.

Class codes | This number identifies the classification for your payroll descriptions. See our Premium and rate overview page for more.

STEP ONE
Payroll for covered workers (subject payroll)
| Indicate your payroll for each class code and each period. 

STEP TWO
Total of all subject payroll listed above
| Add lines of payroll from step one.

STEP THREE
Sign the report and enter your title, the date, and your contact information. 

STEP FOUR
Submit your report.

__________________________________________________________________

Arrears accountss

How your premium is calculated

If you complete payroll reports and make payments at the end of a reporting period, you have an arrears account. We'll send you a payroll report before the reporting period expires so you can calculate the premium for that period. Be sure to contact us if you need help.

How to report your payroll

To get started, go to your sheet titled Workers' Compensation Payroll Report or to SAIF's online payroll reporting system.

Page one

Payroll report period | The payroll reported should be the amount paid to workers during the specified period shown on the report. See our What payroll to report page for more.

Classification description | This section shows classification descriptions that reflect your business operations.

Class code | This number identifies the classification for your payroll descriptions.

Rate | The rate is set by the NCCI and the insurance carrier. It applies per $100 of payroll.

Adjusted rate | The base rate plus your experience rating modification and any other premium modifiers that may apply.

STEP ONE
Payroll for covered workers (subject payroll)
| Indicate your payroll for each class code and each period

STEP TWO
Calculate your premium
| Multiply your payroll by your adjusted rate for each class on your report. See our Whom to report page for information on which workers are covered and which are not.

STEP THREE
Total subject payroll
| Add lines of payroll from above. 

STEP FOUR
Total premium
| Add lines of premium from above. 

STEP FIVE 
Carry the total premium amount over to page two, line one.

Page two

Follow the instructions on page two, premium calculation worksheet. Remember, SAIF's online payroll reporting system performs all of the calculations for you.

Sign the report, enter your title, enter the date, and include payment

Submit your report