Click here to learn more about the benefits of being a SMT member.

Click here to learn more about SMT’s 5% premium discount available to members with a Certified Safety Committee.

Collaborative risk management reduces all members’ risks and associated cost. Each year, the Susquehanna Municipal Trust employs a 10-step process to evaluate returning surplus back to our qualifying members in the form of dividends.

We are pleased to report that since our inception in 1995, the Trust has distributed a total of $14,724,856 in dividends back to our members.

Stay tuned for our upcoming 2025 events!

2024 Trust Agreement (revised 2023 v.9)

Policy #2014-1 – Accident & Illness Prevention Program

Policy #2014-2 – Privacy Policy

Policy #2014-3 – Annual Privacy Notice

Policy #2014-4A – Trust Area

Policy #2014-5A – Underwriting Criteria

Amended Policy #2014-6C – Coverage by Class Code

Amended Policy #2014-7A – Surplus, Dividends, and Assessments

Policy 2014-8 As Amended – Investment Policy 10.20.21

Policy #2014-9 – Regional Entities

Policy #2014-10 – Expense Allocation

Amended Policy #2014-11B – Member Withdrawal & Security Policy

Policy 2014-12 As Amended – Volunteer Ambulance

Policy #2014-13 – Voting Delegate Policy

Policy #2014-14A – Loss Experience Review

Policy #2015-1 – Records Retention

Policy #2016-1 – Officer Rotation

Policy #2018-1 – Paid Fire

Policy #2019-1 – Document Retention

Policy #2021-1 – Premium Discount CSC

Policy #2022-1 – Panel of Physicians

November 2024: SMT Introduces New Website

October 2024: Workplace Injury: A Quick Guide to Action

September 2024: Employee Mental Health

August 2024: Preventing & Treating Tick Bites

July 2024: Wearing Long Pants in Summer

June 2024: The Physicians Panel

May 2024: PCRB Revises Its Experience Rating Plan

April 2024: Promoting a Recovery-Supportive Workplace

March 2024: Common Sense

February 2024: Repetitive Tasks

January 2024: Walk Like A Penguin

December 2023: SMT Safety Events at a Glance: 2024

November 2023: Hand-Tool Safety

October 2023: Updated AIPP Manual Template Available

September 2023: Finding Fact…..Not Fault: Conducting Accident & Near-Miss Investigations

August 2023: Heat Acclimatization

July 2023: 2024 SMT Safety Grant Applications

SPECIAL EDITION: Air Quality Alert

June 2023: Poison Ivy, Poison Oak and Poison Sumac

May 2023: Safe Lifting of Manhole Covers

April 2023: Ten Commandments of Safety

March 2023: Workplace Eye Safety

February 2023: Certified Safety Committees Reminder

January 2023: Falls, Slips & Trips: Winter Edition

December 2022: Near-Miss Incidents

November 2022: The Right Gloves for the Job

October 2022: Physicians Panel

September 2022: When Animals Attack

August 2022: Preventing Back Injuries

July 2022 Newsletter: Workplace Accident Investigations

June 2022: Working in Indoor & Outdoor Heat Environments

May 2022: Electrical Safety

April 2022: Safe Digging

March 2022: Resources

February 2022: Members – Workplace Injury Packets

January 2022 – Administrators: New Year-New News

January 2022 – Employees: New Year Safety Resolutions

December 2021 – Members: Winter Safety

November 2021 – Members: Safe Lifting at Work

October 2021 – Administration: Distracted Driving Awareness

October 2021 – Employees: Distracted Driving Awareness

September 2021 – All Members: Workplace Electrical Safety

August 2021 – All Members: Safety Committees

July 2021 – All Members: Workplace Accident Investigations

June 2021 – Administration: Understanding Your SMT Report Card

June 2021 – Employees: Hazards & Safety of Confined Spaces

May 2021 – All Members: Preventing Slips, Trips, and Falls

April 2021 – All Members: PPE Safeguards for Municipal Authorities

March 2021 – Administrators: Guidelines for Returning an Employee to Work After Injury

March 2021 – Employees: Flagger Safety 101

February 2021 – Administrators: The Advantages of Offering Light Duty Work

February 2021 – Employees: Saw Safety

January 2021 – Administrators: Injury Reporting in the Personnel Policy

January 2021 – Employees: Winter Driving Safety

December 2020 – Administrators: Employee Wellness is Worth the Investment

December 2020 – Employees: Staying Healthy this Winter

November 2020 – Members: Claims Management-Subrogation

October 2020 – Administrators: Workers’ Compensation Tips for Police Chiefs

October 2020 – Employees: Safety Tips for Unexpected Animal Encounters

September 2020 – Members: Workers’ Compensation Acronyms

August 2020 – Administrators: Are My Lag Days Lagging

August 2020 – Employees: Time is of the Essence (reporting claims in a timely manner)

July 2020 – Administrators: Greetings SMT Members – re-introducing the SMT website

July 2020 – Employees: Steps to a Safe Office

June 2020 – Members: Advantages of Online Safety Training

May 2020 – Members: Spring and Summer Safety

April 2020 – Administrators: Safety Committee Basics

April 2020 – Employees: Safety Committees: Giving Employees a Voice in Safety

March 2020 – Administrators: Panel of Physicians

March 2020 – Employees: Panel of Physicians for Injured Employees

February 2020 – Administrators: Tips to Optimize Your Safety Management Plan this Winter

February 2020 – Employees: Slip, Trip and Fall Protection in Winter

January 2020 – Administrators: Make a New Year’s Resolution to Reduce Work-Related Injuries

January 2020 – Employees: Make a New Year’s Resolution to Reduce Work-Related Injuries

Benecon serves as the Trust Administrator under the direction of the Board of Trustees. The SMT team at Benecon provides daily Trust administration, direct communication and liaison with Trust members, and coordination of services with the Trust’s professional consultants.

Inservco provides claims administration services in a prompt, professional, and responsive manner. These services include client education, medical management, and point-of-service contact to assist members and their employees.

Assured Partners | Murray Insurance (formerly Pennsylvania Risk & Insurance Services, or PARIS) serves as the safety and loss control consultant to the Trust. Murray Insurance staff are qualified licensed Accident & Illness Prevention providers that offer training, member survey, safety committee, and claims analysis services.

The Camp Hill-based firm of Thomas, Thomas & Hafer includes a practice group for workers compensation. TTH provides claims litigation services coordinated with Inservco and Benecon in the best interests of the Trust and the member.

Midwest Employers Casualty provides workers’ compensation excess insurance to self-funded groups across the country. All new member applications are submitted to Midwest for review.

Brown Plus Accountants & Advisors compiles the annual financial statement for all plan years. The Brown Plus accounting and auditing staff reports directly to the Board of Trustees and provides a thorough audit of the Trust’s financial activities.

Payroll audits are conducted on an annual basis by Accu-Audits. The professional staff employed at Accu-Audits specialize in workers compensation audits.

Actuarial consulting services provided by Conrad Siegel Actuaries include certification of Trust loss reserves and rates, providing consultations for various state-required reports.