I’ve filed very few claims with Pinnacol. Why didn’t I receive a general dividend?

  • Dividend amounts are based on each policyholder’s contribution to surplus through both premiums paid and loss ratio.
  • If you do not have a qualifying loss ratio or have a relatively small premium, you may not qualify for a dividend.
  • If an association or group large deductible program does not have a qualifying loss ratio, then individual members will not receive a general dividend, regardless of their claims history.
  • If a policyholder owes Pinnacol money, the dividend amount will be applied to the outstanding balance, in most circumstances.
  • A policyholder will not receive a dividend if they did not submit an audit report.

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