GROUP INSURANCE PROGRAMS
The Nevada County Contractors' Association offers group insurance programs to its members in Workers' Compensation, Liability, and Health Insurance. For many participating NCCA members, the savings more than pays for their low annual NCCA membership dues.
The following sections contain more detailed information about NCCA's Group Insurance Programs:
Group Workers' Compensation Insurance
Golden State Builder's Exchange (GSBE) workers' comp participants have enjoyed exceptional results over the past 32 years. GSBE strives to provide the broadest and most flexible plans to benefit as many NCCA members as possible. GSBE's group comp program is written by State Compensation Insurance Fund (State Fund). State Fund provides this flexibility by including all construction trades in the plan and providing the lowest minimum premiums for the small contractors and those just starting in business.
State Fund's Preferred Provider Network (PPN) is an integrated claims and medical management program. This program brings together State Fund's expert claims handling and contracted medical providers chosen for their expertise in treating occupational injuries. Claims costs are controlled from the onset because State Fund's claims staff, the employer, and the PPN provider are focused on timely return to work.
To qualify for this group program you must be a member of the Nevada County Contractors' Association and meet the criteria.
The Plan
In the Preferred Provider Network, the employer selects a primary treating physician from a list of PPN providers. The selected medical provider will be the designated treating physician for all workers' compensation injuries. The designated provider conducts a thorough evaluation and prescribes the necessary treatment. State Fund claims adjusters coordinate and assure appropriate medical care through State Fund's Medical Quality Assessment Program. They assist the employer and the physician in returning injured employees to work as soon as medically possible. Enhanced communication between State Fund, the employer, and the physician gives the employer a greater role and supports efficient case management.
Savings
Participating employers will receive an additional discount on their State Fund premiums. With medical management and emphasis on early return to work built into the plan, employers may experience reductions in the costs of claims. Lower claim costs can reduce the immediate costs to employers, and may also affect future premium rates by reducing future experience modification rates.
Convenience
Accessibility is one of the key features of the State Fund Preferred Provider Network. An extensive network of providers offers locations statewide. If a work injury occurs at your place of business, quality medical care can be conveniently and easily accessed by referring your injured employee to the designated PPN physician or by calling the Claims Reporting Center's 24-hour toll free number (888) 222-3211.
Eligibility
- You have a minimum of two employees.
- The majority of your employees must be eligible for and offered a health insurance plan.
- You pay at lease 50% of the health insurance premium.
- You have a written early return to work program or are willing to implement one within 90 days of policy inception.
- You are located within a PPN service area.
- You agree to refer injured employees to the designated PPN provider and actively implement an early return to work program.
Special Discounts
The NCCA and State Fund offer up-front rate discounts and a back-end bonus system in addition to any individual dividend your company may earn from State Fund. Listed here is a brief description of the types of discounts available.
Group Membership Up-Front Discount: Participants in the NCCA group program receive a 6% group discount on their workers' comp premium for being in a group.
Managed Care Discount: As a member insured by State Fund, you can save up to 10% on your workers' compensation premiums when you join either of State Fund's two new statewide Managed Care programs.
Merit Rating: State Fund's Merit Rating Plan, offered to eligible employers with $100,000 or more in premium prior to application of any discounts, rewards an employer's favorable individual risk characteristics such as return to work programs and management-endorsed safety programs with a discount of up to 10%.
Bonus Credit Plan: If your premium is $100,000 or more annually before application of any discounts and your company has a significantly better than average loss history, your premium can be discounted up to 15%.
Premium Discounts: This discount recognizes that higher premium accounts have lower expense ratios. A discount of up to 23.67% is available for qualified accounts.
Reasons to Think Twice About Your Workers' Compensation Insurance Carrier
- State Fund conducts CLAIMS REVIEWS.
- State Fund provides LOSS CONTROL SERVICES.
- State Fund allows the LOWEST POSSIBLE DEPOSIT.
- State Fund maintains its own AUDIT STAFF.
- State Fund and the Golden State Builders Exchanges provide LOCAL REPRESENTATIVES to assist you should a problem occur.
- State Fund is FINANCIALLY STABLE.
- State Fund issues CERTIFICATES OF INSURANCE within 24 hours when requested. And there is no additional charge for this service.
NOW, more than ever, it is time to join the NCCA. Put the unbeatable combination of NCCA+GSBE+State Fund to work for you!
Liability Insurance and Health Insurance
NCCA is pleased to offer its members many insurance options. Call Myra at the NCCA office at (530) 274-1919 for more information.
How to Join the NCCA-State Fund Group
Whether you are currently insured with State Fund through some other group program or individually, or if you are insured through a private carrier, consider joining the NCCA-State Fund Comp Group Today!
If You Are Currently Insured with State Fund
If you are already individually insured with State Fund, or if you are currently in one of the other State Fund group programs, just call the State Fund Sacramento Office at (800) 727-5792 and tell them you want to be converted to the NCCA Group Comp Program, or call us for a conversion form.
If You Are Insured with Another Carrier
If you are insured with another insurance carrier, the best time to move your policy is on the renewal date. A few months before your policy renewal date, just call State Fund at (800) 727-5792 and request that a pre-evaluation questionnaire be sent to you. After you return the completed form to State Fund, you will be contacted to review how you can benefit from joining the NCCA-State Fund Comp Group.
For More Information call NCCA at (530) 274-1919 or . . .
State Fund Sacramento Office
2275 Gateway Oaks Drive
Sacramento, CA 95833
(800) 325-1284
http://www.scif.com
Under California law, it is unlawful for an insurer to promise the future payment of dividends under an unexpired workers' compensation policy or to misrepresent the conditions for dividend payment. Dividends are payable only pursuant to conditions determined by the Board of Directors or other governing board of the company following expiration.
It is a misdemeanor for any insurer or officer or agent thereof, or any insurance broker or solicitor, to promise the payment of future workers' compensation dividends.
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