Since 1982, Public Employer Risk Management Association, Inc. (PERMA) has been devoted to providing workers’ compensation protection and risk management services to public employers throughout New York State. In the past 34 years, PERMA has grown to become the largest self-funded municipal workers’ compensation pool in New York.
1Comprehensive coverage appropriately priced.
PERMA covers municipal employees under the general workers’ compensation statute, provides unlimited employers liability coverage, and volunteer fire and ambulance worker benefits.
2As a non-profit organization, we specialize in local government.
PERMA has no profit margin, no stockholders, and we do not have to pay any premium taxes. We are a non-profit association created and governed by local officials. Our board of directors is comprised of members and state association partners.
Currently, PERMA has members who are:
3We focus on, and emphasize, excellent service and personal attention.
It starts in the claims department, which promptly manages each claim, providing the best care to the injured employee while controlling costs. And it continues with comprehensive risk management services, assigned as critical needs are identified, ensuring a safe workplace, maintaining PESH and OSHA standards, and preventing work-related injuries, illnesses and accidents.
What you see throughout PERMA is personal attention. Taking care of the member and keeping the workplace safe and productive is what PERMA is all about.
PERMA can provide personal attention because of its long-standing relationship with Northeast Association Management Inc. (NEAMI), which has administered PERMA since 1995. NEAMI, with its staff of approximately 80 professionals, provides claims management services, as well as nurse case management, loss control, coverage underwriting and general member services.
NEAMI prides itself on the quality and professionalism of its employees. Only the highest qualified, best-suited people are recruited to serve the PERMA membership. NEAMI enjoys a low turnover rate, and the claims staff receives exceptionally high claimant satisfaction scores – in the 90th percentile year after year.
Different from traditional insurance, municipal pools are organizations owned and governed collectively by their governmental entities. Municipal pools are formed all over the country to address a multitude of risks, including property loss, employee benefits, and, in PERMA’s case, workers’ compensation.
You can learn more about the rules and regulations that govern PERMA by visiting the New York State Workers’ Compensation Board Self-Insurance Office.
We are a self-insurance pool, comprised of New York State municipalities
Yes. PERMA has used NEAMI since 1995.
Over 550 cities, counties, towns, villages, school districts, fire districts and other special districts have chosen to become PERMA members
PERMA provides each member with a personalized claims team and 24-hour access to all claims handling information, registered nurse patient advocates, wellness program resources and grants, transitional duty programs, and risk management training. PERMA is also committed to financial transparency and partnerships with top service providers.
The annual contribution is determined by an entity’s loss history, the size and distribution of their annual payroll, and the loss cost rate as determined by the state on a yearly basis.
Joint and Several is a common practice of self-insured groups stipulating that all members of the group are liable for all losses. This can lead to annual assessments to make up for funding shortfalls and future assessments should a group be declared financially insolvent by the NYS Workers’ Compensation Board (WCB). However, PERMA’s growing membership practically guarantees solvency. The WCB has confidence in PERMA and other municipal self-insured groups because their members have the taxing authority to honor long-term claim obligations.
If you are leaving your current provider at the end of your policy term, you must submit to them a Letter to Reserve at least 30 days prior to the renewal date. This alerts your provider that you are considering leaving. If you are currently the member of a self-insured county pool, there may be a buyout you must pay in order to leave that pool. If you are trying to leave your current carrier provider before your policy term is expired, they may issue you a short-rate penalty.
Getting a quote is free and you are under no obligation to bind with PERMA upon receiving your quote.
Upon receipt, additional information will be requested from you by email, including:
If your organization is large, a risk management pre-inspection will be conducted.
Once all information is received, a PERMA underwriter will evaluate and provide you with a quotation that best reflects your expected losses.
If you decide to join PERMA, paperwork for the NYS Workers’ Compensation Board Self-Insurance Office will need to be completed and signed, and an entry fee of 3% of your contribution will need to be paid.
Throughout the process, the marketing team will be available to answer questions and assist you in any way possible. Have questions now? Ask Leah.