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<div class='html-Content' xmlns="https://www.w3.org/1999/xhtml"> <div class='head-Content'> <meta http-equiv="Content-Type" content="text/html; charset=UTF-8"> <title>Plans and Discounts</title> <meta name="keywords" content="Plans and Discounts"> <meta name="description" content="Plans and Discounts"> <link rel="stylesheet" type="text/css" href="/stylesheets/mobile_styles.css"> <style type="text/css"> <!-- @import url("/stylesheets/statefund_styles.css"); --> </style> <style type="text/css" media="handheld, only screen and (max-device-width: 480px)"> <!-- @import url("/stylesheets/mobile_styles.css"); --> </style> <link href="/stylesheets/statefund_styles.css" rel="stylesheet" type="text/css" media="screen and (min-width: 481px)"> </div> <div class='body-Content' id=""> <div class="topheader"><a href="/index.asp" name="home"><img src="/images/state_fund_logo.gif" alt="state fund logo" border="0" align="left"></a> <div class="offscreen"><img src="/images/offscreen_transparency.gif" alt="" width="250" height="20" align="center"></div> <ul id="accessibility" class="offscreen"> <li><a href="#skipnavigation" accesskey="0">Skip past navigation</a></li> <li><a href="#footer" accesskey="4">Skip to table of contents</a></li> </ul> <div class="offscreen"><img src="/images/offscreen_transparency.gif" alt="" width="250" height="20" align="center"></div> <div class="topheaderRight"> <div class="topnav"> <div class="topnavRight"><a href="/index.asp" accesskey="5">Home</a> | <a href="/contact/ContactUs.asp" tabindex="1">Contact us</a></div> <div class="topnavLeft"><a href="/employers/Index.asp" name="Employer">EMPLOYERS</a> | <a href="/broker/Index.asp" name="Broker">BROKERS</a> | <a href="/provider/Index.asp" name="Medical Provider">MEDICAL PROVIDERS</a> | <a href="/employees/Index.asp" name="Employee">EMPLOYEES</a> | <a href="/statecontracts/Index.asp" name="State Contracts">STATE AGENCIES</a></div> </div> <div class="topPhonenumber2"><a href="/CustomerSupport/Index.asp"><strong><font size="4px">Customer Support</font></strong></a><br>(888) 782-8338</div> <div class="topMission">Established in 1914 by the state legislature, State Fund is California's most reliable provider of workers' compensation insurance and a vital asset to California businesses. State Fund supports California's entrepreneurial spirit and plays a stabilizing role in the economy by providing fairly priced workers' compensation insurance, helping California employers keep their workplaces safe, and restoring injured workers. </div> </div> <br><br><br> </div> <div id="mainNav2"> <div id="mainNav3"> <div class="offscreen"><img src="/images/offscreen_search.gif" alt="" width="250" height="20" align="left"><br> <br> </div><div class="search"> <form name="search" action="https://search.scif.com/StateFundCAsearch.cgi" method="get"><input value="Search" name="query"></form> </div><div class="offscreen"><img src="/images/offscreen_transparency.gif" alt="" width="250" height="20" align="center"><br> </div><ul> <li><a href='/about/About.asp' name='About'>About</a></li><li class='on'><a href='/policy/ObtainAPolicy.asp' name='Obtain a Policy'>Obtain a Policy</a></li><li><a href='/claims/ClaimsSvcs.asp' name='Claims Services'>Claims Services</a></li><li><a href='/safety/SafetyAndSeminars.asp' name='Safety &amp; Seminars'>Safety &amp; Seminars</a></li><li><a href='/forms/Forms.asp' name='Forms'>Forms</a></li><li><a href='/careers/Index.asp' name='Careers'>Careers</a></li> </ul> </div> </div> <a name="skipnavigation"></a> <div class="mainArea"> <div class="subright"> </div> <div class="subleft"> <div id="subNav"> <ul> <li><a href='/policy/WhyStateFund.asp'>Why State Fund</a></li><li id='subNavHightlight'><a href='/policy/RatingPlans.asp'>Plans & Discounts</a><ul><li><a href='/policy/ScheduleRating.asp' title=''>&raquo; Schedule Rating</a></li><li><a href='/policy/ADR.asp' title=''>&raquo; Alternative Dispute Resolution</a></li><li><a href='/policy/USLH.asp' title=''>&raquo; US Longshore and Harbor Program</a></li></ul></li> </ul> </div> <div class="sidesubsubnav"> <div class="subheadr">Quick Links</div> <ul> <li><a href="https://leginfo.legislature.ca.gov/faces/codesTOCSelected.xhtml?tocCode=lab" target="blank">California Labor Code</a></li> <li><a href="https://www.dir.ca.gov/dwc/dwc_home_page.htm" target="blank">Division of Workers' Compensation</a></li> </ul> </div> </div> <div class="submiddle"> <sp> <h1>Plans and Discounts</h1> <h2>Providing Employers the Best Product at the Best Available Price</h2> <p>The premium State Fund policyholders pay for workers’ compensation insurance is based primarily on their payroll in job-specific classifications as well as their experience modification (ex-mod), if applicable. This amount may be modified by premium-size discounts and several other State Fund discount plans. Larger accounts may have additional options available that allow our product to be custom-tailored to business needs.</p> <p> This is a brief overview of the rating and discount plans available from State Fund:</p> <h3>Standard Plans</h3> <p>Base rates for all accounts originate with our filed rates for each classification code. The rate for each class code is multiplied by the employer’s payroll for each class code. From there, State Fund’s rating system evaluates several factors to apply the appropriate rating plan and determine the final premium. </p> <h3> Premium Discounts</h3> <p>State Fund offers employers a premium discount above a certain premium threshold, since higher premium accounts have relatively lower expenses associated with servicing.</p> <p>State Fund's premium discount is applied through a schedule of premium layers and percentages. Although not all accounts will qualify for a premium discount, employers can receive a discount of up to&nbsp;11.3 percent. </p> <h3> Schedule Rating</h3> <p>State Fund’s Schedule Rating Plan provides a mechanism for recognizing an employer’s individual risk characteristics that are not otherwise reflected in the base rate. Schedule Rating may reward an employer’s favorable individual risk characteristics, such as return to work programs and management-endorsed safety programs. The Schedule Rating Plan applies only to accounts with $25,000 or more in standard premium that meet specific underwriting standards. The Schedule Rating Plan modifier&nbsp;for certain eligible accounts is subject to a maximum credit of 40 percent and a maximum debit of 40 percent. </p> <h3>Special Plan</h3> <p>State Fund offers an<a href="ADR.asp"> Alternative Dispute Resolution (ADR)</a> program that provides benefits for employers who have signed certain types of collective bargaining agreements.</p> <p><strong>Note:</strong> State Compensation Insurance Fund is not a branch of the State of California.</p> </sp> </div> <div style="clear:both"></div> </div> <a name="footer"></a> <div class="footerArea"> <div class="footerbg"> <ul> <li> <div class="footerSpacer"></div> <a href="/broker/Index.asp">Brokers</a> <br> <a href="/employers/Index.asp">Employers</a> <br> <a href="/employees/Index.asp">Employees</a> <br> <a href="/fraud/Fraud.asp">Fraud</a> <br> <br> </li> <li> <div class="footerSpacer"></div> <a href="/provider/Index.asp">Medical Providers</a> <br> <a href="/statecontracts/Index.asp">State Agencies</a> <br> <a href="/policy/ObtainAPolicy.asp">Obtain a Policy</a> <br> <a href="/about/VendorGuide.asp">Vendor Guide</a> <br> <br> </li> <li> <div class="footerSpacer"></div> <a href="/claims/ClaimsSvcs.asp">Claims Services</a> <br> <a href="/safety/SafetyAndSeminars.asp">Safety & Seminars</a> <br> <a href="/forms/Forms.asp">Forms</a> <br> <a href="/about/Community.asp">Community</a> <br> <br> </li> <li> <div class="footerSpacer"></div> <a href="/about/About.asp">About Us</a> <br> <a href="/about/history/index.html">History</a> <br> <a href="/contact/ContactUs.asp">Contact Us</a> <br> <a href="/CustomerSupport/Index.asp">Customer Support</a> <br> <br> </li> </ul> <div style="clear:left"></div> </div> </div> <div class="footerArea" align="center">Copyright &copy; 2000-2022 State Compensation Insurance Fund<br> <a href="/about/TermsOfUse.asp">Website Terms of Use</a>, <a href="/about/PrivacyPolicy.asp">Website Privacy Policy</a> and <a href="/about/SharingDisclosure.asp" target="_blank">Information Sharing Disclosure</a></div> </div> </div>

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