State Workers' Insurance Fund (SWIF)
SWIF UNDERWRITING & COVID-19
Due to the closing of the State Workers Insurance Fund (SWIF) Offices, the state fund is processing correspondence electronically whenever possible.
Resource accounts are available to help facilitate the day to day operations of the state fund. Please use these accounts when possible for correspondence and requests as follows:
For changes to payroll, PCRB mods & merit ratings, alternate employers:
At this time, to obtain Workers’ Compensation coverage, a completed and signed physical application and appropriate payment must be mailed and received by SWIF, along with required forms such as Voluntary Election of Coverage or LIBC 509 & 513 forms for officer exclusion. The application can be downloaded via
Application for Workers' Compensation Coverage form (SWIF-429).
email@example.com for any general questions regarding SWIF. Our teams are remotely working as quickly as possible to process work.
SWIF CLAIMS & COVID-19
In addition, we are limited in our ability to process incoming customer service calls at this time. We are processing calls for First Reports of Injury (FROI) and keeping the SWIF process moving forward.
In addition, please be assured that payments to our claimants are continuing to be processed. You can also reach our team at firstname.lastname@example.org.
Workers’ Compensation and COVID-19
On March 6, 2020, Governor Tom Wolf issued an emergency disaster declaration throughout the commonwealth due to the new coronavirus known as COVID-19.
Because Pennsylvanians might be exposed to COVID-19 in the workplace, we are providing important Pennsylvania Workers’ Compensation guidance regarding filing options and claims.
Two Filing Options for COVID-19
Option 1: An employee can file a typical “disease-as-injury” workers’ compensation claim, which would require the employee to provide medical evidence that they were exposed to COVID-19 in the workplace. Employees must provide this type of evidence for all injury-related claims.
Option 2: An employee could file an “occupational disease” workers’ compensation claim, which would require showing that COVID-19 is occurring more in the employee’s industry or occupation than in the general population, such as the healthcare industry.
Processing COVID-19 Claims
All COVID-19 claims will be thoroughly reviewed by the State Workers’ Insurance Fund (SWIF). Approval and denial determinations are always made based on the facts and merits of each employee’s claim and the law. L&I cannot provide general guidance regarding individual cases.
If a claim is denied, the employee may file a claim petition with the Workers’ Compensation Office of Adjudication. If a claim is either accepted by SWIF or through the adjudication process, then the claimant will be paid medical and wage loss benefits as provided by the law.
SWIF's New Prescription Drug Program
The State Workers' Insurance Fund (SWIF) is pleased to announce a change in our prescription drug program. Through our new service partnership with KeyScripts, LLC - a Pennsylvania-based workers’ compensation pharmacy benefit manager - we are making it easier than ever for injured workers to obtain prescription drugs for treatment of their work-related injuries.
KeyScripts offers a national network of nearly 60,000 pharmacies, including many of the leading retail chains. Injured workers whose claims have been accepted will receive a KeyScripts Prescription Benefit Card, which may be used to purchase prescriptions for accepted work injuries. The KeyScripts card allows the injured worker to promptly receive prescription refills with no out-of-pocket expense. KeyScripts also offers convenient home delivery service for long-term prescriptions. The KeyScripts Network also offers durable medical equipment, physical medicine, diagnostic testing and translation services.
Call KeyScripts at 1-866-446-2848 with questions, or to locate the KeyScripts Network pharmacy nearest you.
SWIF's New Preferred Provider Organization (PPO)
Today, more than ever, businesses must find ways to reduce operating expenses. In response, SWIF has developed programs to help employers manage the cost of their workers' compensation injuries. SWIF is pleased to announce our partnership with Hoover Rehabilitation Services, Inc., through which SWIF is able to offer access to a comprehensive Preferred Provider Organization. By utilizing medical providers who are part of the PPO on your Health Care Provider List (provider panel), employers will improve their ability to control the costs associated with workplace injuries. All SWIF policyholders will soon receive information on these programs. To establish your panel now, call Hoover at 1-800-692-7294, or email email@example.com
State Workers' Insurance Fund Medical Bill Status Inquiry for Attorneys
Attorneys and all other parties may make inquiries by phone at 570-963-4635. Select option 2 for a SWIF representative. For faster service, please have your claim number and date of injury available.
Construction Workplace Misclassification Act
On Feb. 10, 2011, the Construction Workplace Misclassification Act (Act 72) took effect. Misclassification of employees as independent contractors is illegal for all commercial and residential construction in Pennsylvania. The Pennsylvania Department of Labor & Industry enforces Act 72.