Workers’ Compensation – Colorado Special Districts Pool

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We know that managing safety means more than buying bandages. It needs buy-in from both employees and management, and investment in your facilities, policies, and people.

Our Workers’ Compensation program empowers you to do just that. We offer thousands in safety grant funds, free training programs, and guidance for safety committees. We have a solution tailored to every level of your organization.

Our size allows for better oversight of claims handling, which means our members—every one of them—gets the personalized attention they deserve. When you join CSD you combine our resources, our team, and our expertise with yours.

Special Features:

Crisis Management Coverage included
Nurse Triage Program
Increased Employer’s Liability limit
Dedicated safety management consultant can travel to your district to help with loss prevention training at no cost to you
Flexible rating plan with large deductibles available
Dedicated claims staff including supervisors and senior adjusters working on your behalf to investigate, adjust, and close claims promptly and fairly

Available Credits:

Multi-Program Discount
Cost Containment Credit
Reimbursement for CFHC Trust Cancer Program
Volume Discount
Designated Medical Provider Discount
Competitive Deductible Discount
Direct Discount
Early Pay Discount

Worker’s Compensation Program Comparison

	CSD Pool	Insurance Companies
$2 Million Employer’s Liability Limit	✔	Not typically included
Crisis Management Coverage	✔	Not typically included
Reimbursement for CFHC Trust Cancer Program	✔	Not typically included

Workers’ Compensation Coverage Overview

Overview	What does it cover?	Districts that need this:
Our Workers’ Compensation program covers work-related injuries and illness to members’ employees, board members, and covered volunteers	Employee injuries and illness arising from employment and subsequent income replacement	Any district with employees, statutory volunteers, or board members

Loss Scenario	What does it cover:
An employee falls off a ladder and breaks her left arm at work. She requires intensive medical care including surgery. Two months later she returns to work with full recovery.	Medical expenses, such as evaluation, prescription medication, and surgery costs Her normal income is covered at two-thirds until she returns to work Rehabilitative expenses, including post-surgery physical therapy
An employee complains of pain in his wrist whenever he uses his keyboard.	Investigation of the claim, including ergonomic evaluation of his workstation Medical expenses, including care and prescription medicine Rehabilitative expenses, including physical therapy, if prescribed