Coronavirus / COVID-19 Update


Our vision remains to be an indispensable partner in achieving a safer, healthier and more prosperous Montana.

Achieving this vision requires taking steps to protect the health of Montana State Fund customers, our fellow Montanans, and our own staff. Therefore, due to COVID-19, Montana State Fund has temporarily suspended all business travel and closed our offices to the public.

Our employees have made a very successful transition to working from home, and we are available to help you!  We realize you may have questions and the need to talk to someone. Please reach out to us at 800-332-6102 to discuss how we can help.

Here’s what we have done and are continuing to do to deliver on our promise in these uncertain times:


In 2020:

We stood ready and partnered with you, offering some peace of mind by deferring premium payments from Wednesday, March 18, 2020 through September 30, 2020. No policies were cancelled for failure to pay premium or report payroll during this time.  We wanted to ensure your employees remained covered regardless of your ability to pay during a time of considerable uncertainty.  This deferral was also intended to give you flexibility to manage your financial obligations during this stressful economic period.


Montana State Fund’s promise continues for you and your employees!  We realize your top priorities remain taking care of your family, business, and employees. We also understand COVID-19 has continued to have significant impact on many businesses in Montana.

  • We will continue to work with each of you impacted by business closures or interruption. If you need to make flexible payment arrangements, please contact us!
  • If you continue to pay wages to employees not working (gratuitous wages), you will not be charged workers’ compensation premium on those wages.
  • If you have a change from your original payroll estimates, MSF can help you complete a revised estimate. This is a common practice and simply requires you to contact MSF.


  • Our Claims staff is here to help your injured employees receive benefit payments and medical care they need.
  • As medical offices reopen, we are helping your injured employees get treatment and medical visits rescheduled.
  • We continue processing any new claims that may occur.


While our safety professionals are not currently traveling due to COVID-19, we are available to provide virtual safety services to our policyholders at no cost! These services include:

  • Safety risk assessments and business continuation assistance
  • Technical training for safety and workers’ compensation
  • Home and office ergonomics coaching
  • Safety committee virtual presentations
  • Virtual walkthroughs – take us to your worksites with ease

If these services are not what you need, or if you are just not sure, we stand ready to customize a safety solution with you!

Treating Physicians

To facilitate the safe delivery of health care services to patients throughout the COVID-19 state of emergency, the Montana Department of Labor & Industry has released temporary changes to the telehealth guidelines. If you have any questions, please reach out to a member of our Medical Team.



As you know, information concerning the new coronavirus and COVID-19, the infectious disease it causes, is dominating the news media and general public discussion. And, government at all levels, businesses and the public at large are struggling to cope with the disruption in everyday life. Employers and employees alike are reacting to the situation through better hygiene practices, physical distancing and remote work where possible. Although there are few known confirmed COVID-19 cases in Montana, it is expected that they will become more commonplace as the virus spreads. To better inform our policyholders regarding the workers’ compensation insurance implications we are publishing some common questions and answers (and will add to them as needed).

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