MONTANA CONTRACTORS COMPENSATION FUND

Last Updated: Thursday, July 10, 2008

“WHY RENT WHEN YOU CAN OWN”

Table of Contents

Fund Members Listing		First Report of Injury Forms Link
Independent Contractor Information and Forms State of Montana IC Link Use this to check and see if Subs listed as IC’s are registered	MCCF OSHA Alliance August 17, 2006 MCCF & OSHA signed an agreement that will foster communication and opportunity for those MCCF members companies that choose to participate. This link will show you the Alliance document. Please contact Keith Wing for more information. OSHA Website Link		Members Area for Premium Payments Forms and More . Located at Payne Financial Group Website (Password required)
Work Comp Coverage Rate Quote Request Form from Broker	History		Information Request from MCCF Use this link to contact MCCF for any reason
MCCF Entry Requirements	Montana Contractors Association (MCA/AGC)		National AGC
Broker Information	State Work Comp Links		Federal DOT Website
Directors and Officers	Safety and Health Training Program Site		Montana DOT
Fund Administration	National Council of Self-Insurers		MSHA Website Link Mine Safety

Why a Self-insured Fund?

In 1993 a diverse group of Montana contractors came together overcoming competitive differences for a common goal to take back control of their workers compensation costs. Our state, reeling over the last publicly bailed failure did not offer the proactive programs and measures these trend-setting companies requested. Being contractors, they built their own group insurance company but did not open it up to all who applied. It was opened to contractors who met strict underwriting criteria and maintained membership in the Montana Contractors Association (MCA). The MCA serves as an umbrella for the MCCF, and the MCCF is just one of many MCA benefits of membership. Membership has doubled since fund inception with contractors that have similar success goals. Is your company ready to take control of workers compensation?

Evolution

MCCF as a Plan 1 fund has grown about one hundred percent in its ten years in business. To date it has paid back to its membership well over 14 million dollars in premium refunds and investment dividends or 36% of premiums paid. From a single employee (executive director) with claims management and safety services contracted to an outside party, it has grown to four full-time employees with all claims and safety handled in-house. Effective March 2007 the MCCF will be moving into its own building in Great Falls.

What does this mean to me?

It means you have control of your workers compensation claims, a service you may have only dreamed about! Problems and issues are dealt with in real-time. Your company actively participates in the claims process. In fact, without your involvement the program will not work! Our proactive approach fuses claims and risk management with our proprietary Early-Return-To-Work and safety programs.

On-call safety consultation to assist you in fine-tuning your business along with an MCCF electronic safety program, are additional benefits of fund membership.

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How does my company join?

As with anything that appears too be to good to be true, there are some very stringent underwriting rules that must be met:

· Experience Modification Rate of less than one point one (1.1).

· Three year average loss ratio of less than 65%.

· Annual premium of over $5,000 per year.

· Reviewed financial statements if annual premium less than $75,000.

· Audited financial statements if annual premium over $75,000.

· Pre-admission risk assessment

· Member of MCA

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BOTTOM-LINE

It was the intent of those who formed this fund in 1993 to take control of their respective workers compensation costs and turn what has been viewed in the past as negative into positive. Sound investment of funds coupled with superior claims and risk management make this fund the envy of its peers nation-wide. Not all companies that apply qualify but information on areas needing improvement will be provided in an effort to meet underwriting basics for future membership!

We look forward to hearing from you and giving you a proposal.

Fund Directors & Officers

· New Directors and Officers Installed as of 12-13-07 regularly scheduled Board Meeting.

President	Greg Oswood, Morgen & Oswood Construction
Vice President	Chuck Olson, James Talcott Construction
Secretary/Treasurer	Bob Nommensen, Sletten Construction
Directors
Terry Haven, Knife River	Don Gunther, Doeden Construction.
Milan Foster, United Materials of Great Falls	Bill Oftedal, EH Oftedal & Sons Construction
Vikki Muus, OMO Construction	Dave Stewart, Swank Enterprises
Past Board Members
Ron Combs, Casino Creek Concrete	Bill Tamietti, Tamietti Construction

(Directors serve a three-year term, officers one year.)

Fund Administration

Executive Director	Marvin R. Jordan

Safety/Loss Control	Keith Wing
Senior Claims Examiner	Mel Pozder
Medical Only Claims Examiner	Erin Hoock
Claims Clerk/Admin	Laurie Gordon