Special Offer for
Washington State Nonprofit Employers!
501(c) Agencies Trust is pleased to offer Washington State nonprofits the opportunity to save money by participating in a Group Retro Plan recognized by the Department of Labor and Industries.
Retro (short for Retrospective Rating Program) is an elective program offered by the WA State Department of Labor & Industries as an incentive program, through which employers earn a partial refund of L&I premiums by controlling claim costs and preventing workplace injuries.
Since 2000, members of the 501(c) Agencies Trust Group Retro Plan have saved an average of 15% on their L&I premiums. $14 million have been returned to those members to help with their missions.
Please click on sections below for more information.
The WA Group Retro program rewards employers for maintaining a safe workplace and controlling workers' compensation costs. Since accident prevention and lower claims are universally beneficial, the Trust, through the Department of Labor and Industries (L&I), established a retro program, allowing a portion of L&I premiums to be refunded to Retro participants. When losses are low, the refunds are substantial.
- Over $14M in refunds since 1991 have been shared by participating employers
- Discount on L&I premiums
- Lower claim costs
- Return to work assistance
- Safer work environment
- Education and training
- Claims management
- Safety assistance
- Record of address for L&I correspondence
- On-demand updates
- Below average experience factor
To be eligible for the program, an employer must meet the following minimum criteria:
- Be a nonprofit 501(c)(3) employer in the state of Washington
- Report hours worked in one of twenty-three accepted risk classifications
- Demonstrate a good safety record
- Be current with payment of L&I premiums
Each WA Group Retro year begins on October 1 and ends September 30. Member agencies continue to file quarterly reports with the Department of L&I and pay premiums. Each participant retains its individual L&I experience.
At the end of each retro year, the Department of L&I calculates the retrospective adjustments. If WA Group premiums paid exceed developed losses (claim costs plus reserves), the Department refunds the excess premium to the group. As a large group, the WA Group is eligible for the maximum refund level. Refunds are distributed to member agencies each year when received.
If claims exceed premiums, the WA Group Retro can be assessed up to 10% in additional premiums. The 501(c) Agencies Trust has established a reserve fund for protection against additional premiums.
Each retro year runs from October 1 through September 30 of the following year. Applications for agencies first enrolling in the program must be received by September 1 to participate for the entire retro year. In some cases, new enrollments may also be considered quarterly. In subsequent years, participants simply provide The 501(c) Agencies Trust with updated information and the Department of L&I automatically renews participating members.
Integrated Claims Management (ICM), the WA Group Retro program claims administrator, provides services designed to save money and control losses for members.
Services provided include:
- Claims management that includes assurance of claim validity, facilitation of the claim process, and aggressive claim resolution.
- On-sight safety audits and recommendations.
- A written safety plan for loss control, which can be site-specific—assistance is provided with its implementation.
- Help with a transition back to work and reduction of time loss through consultation with physicians, assistance in the writing of the job offer, and procedures to ensure compliance with the process.
- Quarterly claim reports.
- Quarterly reports detailing activity on each open claim.
- On-site workshops as requested.
- Extensive video training modules.
- Training webinars.