Social Services & Education Group Trust

Reaching New Heights For Employee Safety

Workers' Compensation Self-Insurance

The Social Services & Education Workers’ Compensation Self Insurance Group Trust was created by a group of employers from these disciplines to join together to ensure the safety of their employees. They would like you to consider joining them. Members of the SS&E Group Trust receive the best loss prevention and claims management services available while also minimizing their workers’ compensation costs.

The Social Services & Education Workers’ Compensation Self Insurance Group Trust is one of the most successful, cost effective providers of workers’ compensation coverage in Maine. Created to benefit the members and their employees– not insurance carriers, it is made up of 12 employers with approximately 3,631 employees and has an incredible record of safety and lower costs.

As a group, the members work together to keep employees safe, reduce costs and maintain standards of excellence in all areas of the program. Premiums are consistently below market and during the last 10 years the SS&E Group Trust has refunded over $5,842,272. On average 28.77% of all Member premiums paid since November 2013 have been returned. Cumulative Loss Ratio since November 2013 is 30.86%.

The long-term Workers' Comp Solution

Why Workers' Compensation Group Self-Insurance?

  • Control and stability over your workers’ compensation program
  • Competitive pricing
  • Premium refunds
  • Long term approach to minimize cost and maximize benefits
  • Self-Insured employers represent nearly 42% of the overall WC market in Maine  (based on standard premium)
  • Dedicated Service Team for Loss Control
       – Customized Loss Prevention Programs
  • Dedicated Service Team for Claims Management
       – Aggressive Claims Management Programs
  • Dedicated Service Team for Administration/Underwriting
  • Access to numerous training programs
  • Access to on-line claims management system 24/7
  • Preferred candidates: Minimum $10,000 premium and
    modification factor under 1.25

Social Services & Education Group Trust

Providing workers' compensation protection since November 2003

Who should join?

  1. Is safety part of your company culture?
  2. Are you passionate about providing a safe work environment that sends employees home happy and healthy at the end of each day?
  3. Do you want to reduce costs and maintain standards of excellence?
  4. Would you value association with leading Maine companies?

How is SS&E different?

  1. Our members don’t pay insurance companies, we pay ourselves.
  2. The best safety expertise and support team in the industry.
  3. A collaborative approach that saves money and keeps our employees safe.
  4. Long term focus and savings unmatched in the industry.

What our members say about us
Penobscot Community Health Care’s (PCHC) experience as a member of the Social Services and Education Group (SSEG) Trust has been invaluable in gaining insight into workplace injury trends. The staff at Cross are incredibly helpful and knowledgeable, providing expert guidance and support. This understanding has played a crucial role in our efforts to reduce workplace injuries significantly. Their proactive approach to risk and claims management has enabled us to implement effective safety measures, training programs and help get people back to work after an injury. The trust's comprehensive resources and ongoing support have not only helped us stay compliant with worker's compensation regulations but have also fostered a safer and healthier work environment for our employees. Put simply, PCHC’s partnership with the SSEG Trust has been an important component of our decades long work to stay safe, care for the community, and be an employer of choice in the region!
Megan Sanders
Chief Legal Officer, Chief Human Resources Officer, and Compliance Officer
Our agency has been a member of the Social Services and Education Group Trust since June 2004. Simply put, when the group performs well, the members benefit. Most years, we receive premium refunds based on the performance of not just our agency, but the group as a whole. This is critical for a non-profit organization and it doesn’t happen by chance. The support Cross Insurance provides through loss control and claims management is second to none. With their guidance, we’ve improved programs, maintained a consistent focus on employee safety, and as a result, keep employees, our biggest asset, at work.
Danielle Goodale, Penquis
Human Resources Director