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On November 13, 2020, the Board of Trustees of the ACCG - Group Self-Insurance Workers’ Compensation Fund (ACCG-GSIWCF) voted to return a $4 million dividend to eligible members that renew their membership effective January 1, 2021.  The Board approved an additional $4 million cash return for distribution early in 2021 to eligible members who maintain their membership in the program. 
The Board also voted to maintain the 2020 overall rate structure for the 2021 ACCG-GSIWCF renewal, while adjusting the individual job class rates based upon the historical claims and payroll of the job class.  Each member is individually rated, taking into account a number of factors.  While many members will receive premium decreases, others may see increases due to growth in payroll or poor loss experience, for example.  Members are encouraged to be actively engaged in safety efforts for the benefit of their employees, utilizing the assistance of Local Government Risk Management Services (, which is included in the program.  This, along with professional claims handling by ACCG Claims Administration Services, helps keep premiums down.  The ACCG-GSIWCF has decreased rates for the past six years in a row and is holding steady for 2021.
As for dividends, the first $4 million dividend is designed to reward long-term membership in the Fund and will apply to those members that have been in the program since 2011 or earlier.  The dividend will be returned to the membership in the form of a premium credit, reducing the average member’s 2021 premium by more than 13%.  This is one of the many benefits of belonging to a non-profit, group self-insurance program. 
A second $4 million cash dividend was authorized by the Board because the ACCG-GSIWCF is no longer being required to contribute to the Subsequent Injury Trust Fund (SITF). Premium previously collected for that purpose is no longer needed.  Eligible members that received a cash dividend earlier in March of 2020 for this reason will be sent a similar dividend in the first quarter of 2021 as long as they remain an ACCG-GSIWCF member. 
The total amount of dividends returned to the membership since 1985 is over $98 million, including Special Cash Returns of $18 million that were returned to the membership in 2016, 2019, 2020, and again in 2021.
ACCG-GSIWCF is a member-owned insurance fund that was started in 1982.  The pool provides workers’ compensation coverage for Georgia counties and county-related authorities.  McDuffie County Commissioner Fred Favors serves as Chairman of the ACCG-GSIWCF Board of Trustees.  The Fund currently has 170 members, consisting of 134 counties and 36 authorities.
For information on the ACCG Insurance Programs, please contact Joe Dan Thompson at 404-522-5022.

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