Safety Pays Dividends

At Montana State Fund we believe safety pays for our policyholders. One way we do that is through the dividend program. In September, our Board of Directors declared a $40 million dividend which will be distributed among 23,000 deserving policyholders.

Why Dividends?
Dividends are a way for us to share our good financial results with our employers who helped make it possible. It rewards and encourages safe and cost-effective behavior and reduces the overall cost of workers’ compensation insurance. The dividend comes from policyholder equity beyond what is determined necessary and prudent to meet current and projected long-term future obligations. Dividends cannot be guaranteed. Each year, MSF’s Board of Directors examine our independent actuary’s analysis of needed funds and determine if a dividend can be declared.

Since 1999 we have returned $256 million of total dividends to our policyholders. In addition to providing dividends as a return of premium to our customers, MSF has reduced premium rates or held the rates steady since 2007. Since July of 2007, premium rates have been reduced 42% and are currently at the lowest level since the creation of the Montana State Fund in 1991.

If you have further questions about our dividend program, please contact one of our customer service specialists at 800-332-6102.

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Making Contact

Providing quality customer service is our number one priority at Montana State Fund. If you ever have a question or need assistance please feel free to call a customer service specialist who will be happy to assist you.

Important MSF Contact Information

Customer Service
406-495-5001 (Direct Line to Select Service)
406-495-5006  (Direct Line to Premier Service)

Main Website Address

Safety Website Address 

Return to Work Resources/Young Worker Safety

Safety Seminars
800-332-6102 Extension 5361 (Kirk Smith)

ACE Program 800-332-6102 Extension 5292 (Rita Naylor)

Fraud Hotline 888-MTCRIME 888-682-7463