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SDAO/SAIF Workers' Compensation

Special Districts Association of Oregon (SDAO) is currently exploring the viability of a group workers’ compensation discount program for the SDAO members as part of our partnership with SAIF that will become effective July 1, 2023. 

There are no guarantees, but if approved, the group discount could save SDAO members who become part of the group money on their workers’ compensation premiums.

However, we can’t qualify without your help. To move forward, we need at least 60% of all SDAO members to sign the Consent to Group Rate FormPlease don’t delay. Signing the form does not obligate your district to anything and should not require board action. 

To ensure that you receive this messaging, we have also sent a hard copy version by mail. You can return the form by email, mail, or fax.


More Information

These programs, allowed under and directed by Oregon Statute and Administrative rule, are created through a partnership between an “organization” (association) and a workers’ compensation carrier. SDAO is interested in exploring a partnership with SAIF (an Oregon insurer) for the purposes of determining if a competitive product for eligible SDAO members can be created.

Under Oregon insurance regulations, all groups must “earn” group discounts by virtue of their collective premium and claim experience as individual policyholders. This means that the SDAO members must agree to pool their past individual workers’ compensation experience data to determine if a discount can be earned by the “organization”. This pooling of data is only used for the express purpose of calculating any available discounting of premiums; it does not affect your individual experience modifier, workers’ compensation coverage with your current carrier, nor does it obligate you to participate in the SDAO group program.

All information collected will be treated in confidence. Even if you agree to allow your experience to be pooled with other SDAO members, you may still place your coverage with another carrier or plan.


Consent to Group Rate Form 

The Consent to Group Rate Form must be completed and returned to SDAO no later than January 31, 2023. The form will allow SAIF to determine if a discount can be calculated and subsequently offered to eligible SDAO members. In order to make this process easier, we will also be sending this form via Docusign. Please watch for that email in your inbox soon.

If you have any questions, please contact us at or 800-285-5461 and ask for Underwriting.


Frequently Asked Questions

Please check out the below links for two FAQ sheets developed for both SDAO members and agents: