In an emergency, call 911 or get your employee to an emergency care facility before reporting the injury to SFM. SFM policyholders can report by phone at 855-675-3501, online or by fax. For full details, visit the How to report an injury page. Please note that if you are a Wisconsin Worker’s Compensation Insurance Pool employer, click here to report. If you are a self-insured (TPA) client, click here to report.
No, report a work injury to SFM as soon as possible after learning about it – ideally, within 24 hours. You may not have all the details at the time of the report but tell us as much information as you can as soon as you can. Any missing information can be addressed later with your SFM claims representative. Learn more on the Managing work injuries page.
Returning an injured employee to work as soon as medically possible benefits both the employee and employer. Getting a worker back on the job — even in a limited or light-duty capacity — can reduce the likelihood of litigation and help control work comp claim costs, which affect future premiums. Even if injured employees can’t return to their regular jobs right away, bring them back as soon as possible by providing light-duty/modified-duty tasks. See our Why return to work matters blog post for more information.
Light-duty/transitional work includes tasks that can be provided while the injured employee is on light-duty restrictions. Light-duty options can include pre-injury job functions or different tasks, as long as the duties are within light-duty restrictions. You can create jobs/tasks to accommodate light-duty restrictions, but the work needs to be meaningful and should be temporary. Create a list of potential light-duty jobs that you can draw from if the need arises. SFM offers lists by industry to help you get started in identifying transitional work.
Yes. Loss history is a factor when calculating your workers’ compensation premium. That means less time away from work can result in a lower premium. Read our Why return to work matters blog post for more details.
There are four basic steps to establishing a return-to-work program: draft your policy, appoint a claims coordinator, select a primary care clinic and identify transitional jobs. For further guidance, see SFM’s sample return-to-work program. Learn more about return to work.
SFM’s CompOnline® risk management system is especially helpful for mid- to large-size employers who tend to have more claims. CompOnline allows you to access a dashboard of your claims data, set up email notifications, track claim history, customize reports, subscribe to loss runs, look up your policy and premium information and more. Click here to learn more about CompOnline’s features or register for an account here.
You can pay your workers’ compensation premium online through our website. This service is only available if you are invoiced directly through SFM instead of your insurance agent. There are options to make a one-time payment or register for an account to set up autopay and view past payments and invoices.
You can also pay your bill by check and mail it to: SFM Companies PO Box 583178 Minneapolis, MN 55458
SFM does not take payments over the phone.
See our list of common invoice questions. If you have additional questions, you can call your agent or our billing department at 952-838-4405. You can also email us your question through our contact form.
Your workers’ compensation premium is based on your estimated payroll, but payroll can change due to changes in workforce size, employees working overtime or operations expanding. For that reason, at the end of your policy period, we audit the last year and adjust your premium to reflect any changes. Even policyholders who have no employees must complete an audit to confirm their employee count and total payroll are accurate for the policy period. Learn more about premium audits.
The audit process begins the day after your current policy expires. You will receive a letter and/or email at that time with instructions when it’s time for your annual workers’ compensation premium audit. Learn more about premium audits.
If you received a letter from SFM telling you it was time to complete your premium audit online, log in to MyPayroll.
Your user ID and password can be found on the letter and/or email you received from your SFM auditor. If you lost your user ID and password, call SFM at 800-937-1181 to obtain your credentials. Your assigned password changes yearly, so do not ask your browser to save your password.
If your policy period dates do not directly coincide with your payroll records (for instance, the policy effective date is not the first of the month on your monthly records), you may provide records for a different period as long as the beginning and ending dates are within 16 days of the actual policy period.
Yes. You need to provide records confirming that you are still a single member owner with no employees. You will need to complete the online or paper premium audit and provide your business tax documentation. We will also need to collect details on your subcontracted labor, if any.
When it’s time for your premium audit, we’ll need:
A list of all subcontractors and/or 1099 workers that includes job descriptions and individual gross wages for the policy period
Copies of the 1099 Forms and 1096 Forms
Certificates of general liability and/or workers’ compensation coverage for each subcontractor
A vendor is someone who provides goods or services to you that are not part of the goods or services that you provide to your customers. For example, if an accounting firm hires a plumber to fix its water heater, the plumber is a vendor. If the accounting firm hires an independent accountant to help prepare taxes during its busy season, the accountant is a subcontractor.
