Association Plan Contract / Enrollment Form (click here)

Designed exclusively for SCF Arizona policyholders, the SCF Association Dividend Plan enables trade and business associations to offer members the opportunity to lower the cost of workers’ compensation insurance.

By participating in the Mesa Chamber Association Dividend group plan, policyholders may earn a “bonus” dividend in addition to their individual dividends, based on the safety success of the association to which they belong. (The earned “bonus” dividend is calculated on the total premiums and losses of all participating association members.)

Since 1970 when the plan was created, members have earned more than $900 million in individual and “bonus” dividends. While dividends cannot be guaranteed, SCF has paid them every year since it was separated in 1969 from the Industrial Commission of Arizona (ICA).

At SCF Arizona, we want to reward our participating policyholders for their good safety records. Join now and you too can receive the rewards.

How does it work?
Association members that are in good standing and that are qualified policyholders are eligible to participate.
• Each participating member maintains an individual policy and remains responsible to SCF for payroll and premium reporting. The member may have an individual experience rating and will be entitled to a premium discount on an individual basis, if eligible.
• It is required that approval by the association be obtained for participation in the plan.
What are the rewards?
The plan allows members the opportunity to share in an additional “bonus” dividend through the association.
• Each participating member will receive no less than its earned individual dividend and, in addition, will share in the group “bonus” dividend, if earned.
• Dividend Benefits:
Bonus Dividend – Averages 50 percent to 60 percent more than your individual dividend. (All earned dividends are paid approximately 10 to 12 months after the association dividend year ends.)
Shock Loss Protection – $75,000 loss limit applied to each claim for dividend purposes.
• An active and unified approach to accident prevention can mean a larger potential dividend for members. By working closely with SCF and the association, members can pave the way toward safer operations and higher dividend returns.

How can you participate?
Click on this link and print out the enrollment forn and fax to SCF. If you are not an SCF policyholder, we welcome the opportunity to serve you.
Teamed up to serve you, SCF Arizona is a full-service organization with complete workers’ compensation insurance services. Offices located throughout the state provide superior service by our team of professionals in safety, claims and policy matters, as well as prompt response to questions or problems.
• Expert Claims Handling: Our employers save millions of dollars every year because of SCF’s medical management programs. A toll-free claim reporting center is available to all policyholders. Assistance in implementing a return-to-work program is also available to help lower your claim costs and reduce your premiums.
• Managed Care Discounts: SCF's own Preferred Connection Network (PCN) is a PPO network of medical providers that offer a discount from the ICA fee schedule of usual and customary rates.
• Fraud Prevention: SCF's own Preferred Connection Network (PCN) We have in-house fraud investigators and a toll-free fraud hotline. In addition to surveillance investigations, these professionals work closely with the Department of Insurance in the prosecution of fraudulent workers’ compensation cases.
• Fraud Prevention: SCF's own Preferred Connection Network (PCN) We have in-house fraud investigators and a toll-free fraud hotline. In addition to surveillance investigations, these professionals work closely with the Department of Insurance in the prosecution of fraudulent workers’ compensation cases.
• Loss control: SCF's own loss control consultants will work with you to identify hazardous work conditions and establish safety programs.

Association Dividend Plan Questions and Answers:
1. Q. When is the association dividend paid?
A.  Approximately 10 to 12 months after the association’s dividend year ends.
2. Q. Will my individual policy be affected if I join the Association Dividend Plan?
A. No. Your policy with SCF Arizona remains exactly the same, but your dividend year will be changed to coincide with the association dividend year.
3. Q. If the association has high losses will I lose my earned individual dividend?
A. No. If you earned a dividend based on your own premium and losses, you will receive that amount.
4. Q. Does enrolling in an Association Dividend Plan cost me anything?
A. No, but you must be a member of the association.
5. Q. When can I enroll in the Association Dividend Plan?
A.   Anytime during the association's policy period. Enrollment is effective at the beginning of the association policy year or your policy's origin date, whichever is later.
6. Q. Who decides whether or not my policy is accepted into an Association Dividend Plan?
A. The particular association to which you belong makes that decision.
· Dividends are not guaranteed in advance and are subject to declaration by SCF’s Board of Directors.