How is the general dividend calculated?

  • The general dividend is calculated on premium size and loss ratio, factors that contribute to Pinnacol’s surplus. The dividend amount an individual policyholder receives is based on that policyholder’s individual contribution to our surplus.
  • Members of associations or group large deductible programs are affected by the performance of their groups. If a group’s performance didn’t contribute to our surplus, individual members will not receive a dividend, regardless of their individual claims history.

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