What are the Benefits?

Benefits of Group Self-Insurance include:

  • Lower rates than traditional insurance or the State Fund
  • Long term rate stability
  • Regulatory oversight
  • Potential return of contribution
  • Board of Trustee oversight
  • State certified and industry specific safety and loss control programs
  • Excess and aggregate insurance coverage provided by “A” rated national insurance carrier

What is Group Self-Insurance?

Group self-insurance is an innovative approach to traditional workers’ compensation insurance. Group self-insurance allows businesses of related industries to join together to self-insure their workers’ compensation liability as a group.  Members of a self-insured group seek greater control and improved efficiencies managing their workers’ compensation costs.

Pennsylvania Home Care & Human Services Workers’ Compensation Trust

Pennsylvania Home Care & Human Services Workers’ Compensation Trust (PAHC) was formed in 2008. The group includes employers in the home care nursing and human services industry.

A Board of Trustees selected from the PAHC’s membership provides oversight of the program. PAHC is approved and regulated by the Pennsylvania Department of Labor & Industry Workers’ Compensation Bureau.

PAHC is selective in their membership and only employers committed to safety and loss control are considered. Prospective members undergo a thorough underwriting process before an offer of membership is extended.

The success and growth of PAHC is the result of safety conscious employers working hand in hand with an experienced program administrator and aggressive claims management.

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AVI Home Care Brochure