WA State Workers’ Comp

Reduce your Washington workers’ comp premiums with us

We are pleased to offer Washington State nonprofits the opportunity to save money by participating in a Group Retro Plan recognized by the Washington Department of Labor and Industries.

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Retro (short for Retrospective Rating Program) is an elective program offered by the Washington Department of Labor & Industries (L&I) as an incentive program through which employers earn a partial refund of L&I premiums by controlling workers’ compensation claim costs and preventing workplace injuries.

Since 2000, participants of the 501(c) Agencies Trust Group Retro Plan have saved an average of 12% on their L&I premiums. To date, more than $18 million has been returned to those nonprofits to help with their missions.

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What is the 501(c) Agencies Trust Group Retro Plan?

This 501(c) Agencies Trust Group Retro Plan rewards employers for maintaining a safe workplace and controlling workers’ compensation costs.

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Since accident prevention and lower claims are universally beneficial, we established this retro plan through the Washington Department of Labor and Industries (L&I) allowing a portion of L&I premiums to be refunded to our plan participants. When losses are low, the refunds are substantial.

Plan Benefits Include:

• More than $18 million in refunds since 1991 have been shared by participating employers
• Discounts 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

Who can participate in the 501(c) Agencies Trust Group Retro Plan?

To be eligible for the program, an employer must meet some simple following minimum criteria.

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Any 501(c)(3) employer in the state of Washington that can demonstrate a good safety record, is current on their L&I premiums, and can report hours worked in one of twenty-three accepted risk classifications is eligible for the 501(c) Agencies Trust Group Retro Plan.

How does the plan work?

Each “retro year” begins on October 1st. Participating organizations continue to file quarterly reports with the Department of L&I and pay their premiums. Each participant retains its own individual L&I experience rating from the state.

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At the end of the retro year, the Department of Labor and Industries calculates our plan’s comprehensive retrospective adjustments. If the 501(c) Agencies Trust Group Retro Plan’s premiums exceed our total developed losses (claim costs plus reserves), the Department of Labor and Industries refunds the excess premium back to our group. Because we are considered to be a large group, we are eligible for the maximum refund level. Refunds are distributed to participating nonprofits each year they are earned received.

If for some reason the claims exceed premiums, the 501(c) Agencies Trust Group Retro Plan can be assessed up to 10% in additional premiums. Fortunately, we have established a reserve fund to protect against these historically rare penalties.

How do I participate in the 501(c) Agencies Trust Group Retro Plan?

Participants can enroll any quarter. However, your biggest benefit is realized if you join effective October 1st.

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In some cases, new enrollments may also be considered quarterly. In subsequent years, participants simply provide us with updated information and the Department of Labor and Industries automatically renews participating members.

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How will the plan help me with loss control?