Workers' compensation overview

In short, workers' compensation insurance (often called "workers' comp") provides benefits for workers who become injured or sick as a result of their work.

Oregon has had some form of workers' comp program since SAIF was established in 1914. The system is designed to prevent or reduce worker injuries; provide appropriate medical treatment and benefits to injured workers; help injured workers recover and return to work as soon as possible; and resolve disputes quickly and fairly.

How it works

Workers' comp insurance protects workers by paying for medical treatment and lost wages. It protects employers by shielding you from liability lawsuits that can result from work-related injuries or illnesses.

Employers pay premiums to workers' comp insurance carriers like SAIF, and the insurance carrier pays the benefits workers receive if they are injured or suffer an occupational disease as a result of their work.

Workers' comp in Oregon

By law, most Oregon employers must carry workers' comp insurance or be self-insured.

The state legislature makes laws determining the level of benefits and who qualifies for benefits. The Oregon Department of Consumer and Business Services (DCBS) regulates the workers' comp system to ensure employers provide insurance and that injured or ill workers receive the benefits to which they are entitled under the law.

SAIF's role

SAIF, the leading workers' comp insurance carrier in Oregon, is a not-for-profit, state-chartered company. We were created by the people of Oregon through the state legislature. SAIF has been helping Oregon businesses and workers for more than 100 years.

We cover half of Oregon businesses that carry workers' comp insurance—including policies for thousands of small businesses—and we protect over half a million workers every day.


National Council on Compensation Insurance

The National Council on Compensation Insurance (NCCI) is a national rate-making organization licensed by the state of Oregon. All workers' comp insurance carriers in Oregon must belong to NCCI. NCCI collects detailed payroll and claim-loss statistics from carriers and uses this information to develop Oregon's pure premium rates.

Annually, the NCCI files new pure rates for Oregon with DCBS. Then, each insurance carrier, such as SAIF, files its own rates with DCBS, for approval.

The Assigned Risk Plan

Oregon's Assigned Risk Plan (ARP) provides a guaranteed workers' comp insurance market for employers unable to secure coverage in the voluntary market. Learn more about ARP

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