Which of the following statements is true about premium assessment participation for self-insured employers?

• A. They must participate in all cases
• B. They are required to participate in premium assessments
• C. They participate only if they choose
• D. They are not required to participate

Answer: (D)

When an employer is self-insured for workers’ compensation, they fund and manage their own claims rather than paying the standard premiums into the general insurance pool. Because of this arrangement, they’re not required to participate in the regular premium assessments that apply to insured employers. Self-insured status is granted by the workers’ compensation board and comes with its own reporting and oversight requirements, but it means premium assessments aren’t mandatory in the usual sense. Some administrative fees or specific oversight costs may still apply, but these are separate from the regular premium assessment.