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SWIF Premium Discount Program

Drug Free Pennsylvania has formed a partnership with the State Workers’ Insurance Fund (SWIF) to offer their policyholders a discount on their workers’ compensation policy premium based on their level of participation in our Drugs Don’t Work Here program. Our program is an all-inclusive, low-cost solution to help you establish and maintain a drug-free environment in your company.

These discounts are intended to help you with some of the startup costs associated with implementing a drug-free workplace. Since the program began in 2001, over $650,000 in premium discounts have been issued to SWIF policyholders who joined the Drugs Don’t Work Here program. The program is completely voluntary, and your company could realize up to a 5% one time premium credit, after policy expiration.

The credit obtained will be based on the number of Program Components adopted over the first 10 months of the policy period. This program offers a lot of flexibility. You can choose one (1) component or all five (5). The program can be structured to satisfy your own corporate culture by allowing you to implement fewer components to qualify for partial discounts.

Program Components and Discounts
(Click on component name for description)

Policy Development2%
Employee Assistance Program (3-Session Model)1%
Employee Training1%
Supervisory Training1%
Drug and Alcohol Testing1%
  
Premium Discount Formula
SWIF Policy Premium X Discount (%) = Premium Discount

SWIF Premium Discount Example
  
SWIF Policy Premium = $50,000 
  
Policy Development (2%)= $1,000 premium discount 
Policy Development + 1 Component (3%)= $1,500 premium discount 
Policy Development + 2 Components (4%)= $2,000 premium discount 
Policy Development + 3 Components (5%)= $2,500 premium discount 
  
If you have any questions about the SWIF Premium Discount program, please feel free to give us a call at 1-800-533-3394.

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