Measure 38

Argument in Opposition

WHY A FAILING PRIVATE INSURANCE COMPANY WANTS TO ABOLISH OREGON'S SUCCESSFUL NON PROFIT ACCIDENT INSURANCE FUND:

Liberty Northwest Insurance, a wholly owned subsidiary of Liberty Mutual of Boston, is a for-profit insurance company that sends its profits to the stockholders of the parent company in Boston. Instead of competing in the market, Liberty has highjacked the initiative process to try to abolish its main competition. Their goal is to dominate the market, raise rates, and make it harder for businesses to operate in Oregon. They have spent millions of dollars trying to do this.

SAIF insures 36,000 small businesses in Oregon. SAIF is the most efficient and successful state workers' compensation insurance company in the country. It is entirely self-sufficient and does not rely on tax revenues at all. Because of SAIF, Oregon's workers' compensation rates have stayed level or gone down, while other western state's rates have skyrocketed. This is a
critical factor in growing and maintaining Oregon's economy.

Why should you care? Workers who have been injured are entitled to lifetime medical benefits for their work injuries. If SAIF is abolished, the state of Oregon will have to pay a private insurance company to manage and pay benefits due on all the claims that were covered over the entire life of the state accident insurance fund. The injured worker claims will become the obligation of the state. Whoever manages all of SAIF's claims will want a profit from doing it. There will not be any money left over for the "Oregon Priorities Fund." The Oregon Priorities Fund is a pig in a poke.

Abolishing SAIF will not net any money for Oregon. Instead, it will hurt the Oregon economy and hurt injured Oregon workers. Don't let a private insurance company abolish Oregon's state-owned insurance company just so they can turn a bigger profit. VOTE NO ON MEASURE 38.

(This information furnished by Julie Masters, Committee to Keep Business in Oregon.)


Argument in Opposition

NATIONAL FEDERATION OF INDEPENDENT BUSINESS
The Voice of Small Business

Measure 38 is Bad for Small Businesses,
Their Employees and Oregon's Economy

National Federation of Independent Business, NFIB/Oregon, is the state's largest small business organization. Nearly 70% of NFIB/Oregon's 12,000 member companies choose SAIF for their workers' compensation insurance. They oppose abolishing SAIF and they oppose Measure 38.

Statewide, SAIF insures more than 60% of small businesses and many high-risk businesses that private insurers don't want to insure (such as homebuilders, nursing homes, firefighters and farmers). If SAIF is abolished, these small and high-risk businesses would be forced to pay rates 30% to 50% higher than what SAIF charges them.

For small businesses, workers' compensation insurance costs can be significant. State law requires all employers to provide workers' compensation coverage for their employees to make sure injured workers get the medical treatment they deserve when they get hurt on the job. The legislature gave SAIF the mission to keep workers' compensation costs low while making coverage broadly available. SAIF works with employers to keep their employees safe on the job, lowering costs by lowering the number of on-the-job injuries. And SAIF responds to injured workers, handling claims with industry-leading speed.

Measure 38 is About Greed

The company behind Measure 38, Liberty Mutual Insurance of Boston, has made Oregon and its SAIF Corporation the most recent target of its national campaign to eliminate state workers' compensation funds. Liberty has spent millions to browbeat Oregonians with misleading and false information about SAIF. According to documents from the American Insurance Association (AIA), most other insurance companies object to Liberty's efforts to divert money from state funds for other public purposes, as Measure 38 would require. Measure 38 is bad for Oregon's small businesses. Make no mistake – the only entity that stands to gain from Measure 38's passage is Liberty Mutual Insurance.

Please Join NFIB/Oregon and
Small Businesses throughout the state
in Voting NO on Measure 38.

(This information furnished by J.L. Wilson, National Federation of Independent Business.)


Argument in Opposition

Bruce Brunoe Logging
Dumped by Liberty as Too Small
Despite Clean Claims Record

Liberty Northwest ran TV ads claiming SAIF cancelled coverage for thousands of Oregon small businesses. The ads struck me as especially ironic.

In mid-May, Liberty Northwest sent me a letter notifying my company that its workers' compensation coverage would not be renewed when the current policy expired July 1.

Why was my coverage cancelled?

Not because of accidents, or payment delinquencies, or an adverse loss history. My company's claims history and experience rating are clean. A senior Liberty underwriter informed us that Liberty had to "non-renew" us because our business is too small. "Way too much exposure for this very small premium size," the underwriter wrote.

The $10,900 annual premium I paid Liberty didn't seem small to me.

The underwriter's memo explained that the "Logging min[imum] prem[ium] is now up to $100,000 and mechanized logging min[imum] is $50,000." Even though Brunoe Logging has a clean claims record, the underwriter concluded the memo by instructing the consultant, "Time to get off before we get the really big loss."

The Liberty salesperson's letter makes the same point more discreetly: "This is strictly according to new underwriting guidelines and is not a reflection of your company's claims history. There are many changes that have occurred in the insurance industry in general and, unfortunately, Liberty Northwest is being affected too. We purchase re-insurance to cover catastrophic claims and re-insurers are now making demands on us regarding our underwriting."

In the wake of Liberty's cancellation, my company turned to SAIF. Our SAIF coverage began in July, at a substantial savings. But if Measure 38 had been in place, that choice would be gone. Our small business would be forced into the state's assigned risk pool and forced to pay premiums 30 to 50 percent higher. Reason enough for me to vote NO on Measure 38.

Say NO to Liberty Insurance
Vote NO on Measure 38

(This information furnished by Bruce Brunoe, Bruce Brunoe Logging.)


Argument in Opposition

OREGON NEWSPAPER EDITORS HAVE MADE IT CLEAR:
ABOLISHING SAIF IF A BAD IDEA

Here's some of what Oregon newspaper editors have said about Measure 38, the Liberty Insurance initiative to abolish SAIF:

"To raid SAIF would be one of the stupidest things Oregonians could agree to. To raid it on behalf of Liberty Northwest would be grotesquely boneheaded." Daily Astorian, June 24, 2004

"One group likely to suffer, not benefit, if this initiative passes is the 40,000 employers served by SAIF. SAIF has kept rates low for them since the state Workers' Compensation system was reformed by legislators in 1990. Today, the system's cost is lower than those in 37 other states." Grants Pass Daily Courier, July 22, 2004

"Ballot Measure 38, which would abolish the public [SAIF] corporation — has the potential to set Oregon's business climate back decades and cause severe harm to the state's employers and to injured workers." Medford Mail Tribune, August 17, 2004

"Nearly every claim in the anti-Saif ads, including thousands of mailers sent to Oregon businesses, is deceptive or untrue." The Oregonian, June 13, 2004

"SAIF accounted for about 41 percent of Oregon's workers' compensation business in 2002, the latest year for which figures were available. That left 59 percent of the market to for-profit competitors — hardly evidence that SAIF is squeezing Liberty Northwest or anyone else out of business. Oregonians should see the anti-SAIF campaign for what it is: a blatant bid to vanquish a successful competitor and seize the spoils." Statesman Journal, August 3, 2004

"There's no compelling reason to get rid of it [SAIF]. We should keep it instead and be grateful that it's there." Albany Democrat-Herald, July 4, 2004

"Oregonians must fix problems with Saif that do surface, but think of the long term, too, and certainly refuse to be an accomplice in Liberty Northwest's blatant bids to kill a business rival." Grants Pass Daily Courier, June 8, 2004

(This information furnished by Mark Nelson, Committee for SAIF-Keeping.)


Argument in Opposition

GOVERNOR KULONGOSKI RECOMMENDS
A NO VOTE ON MEASURE 38.

I oppose Measure 38 because I believe it will severely damage Oregon's economy and limit our ability to create more jobs for Oregonian.

Because of SAIF, Oregon businesses now enjoy some of the lowest workers' compensation costs in the country. Only 12 states have lower workers' compensation insurance rates than Oregon.

SAIF also makes it possible to pay injured workers in Oregon some of the best benefits paid by any state workers' compen-sation program in the country.

If Measure 38 passes, lower insurance costs to employers and higher benefits to injured workers may no longer be possible.

SAIF is one of Oregon's primary economic development assets.

SAIF gives Oregon a competitive advantage over other states in attracting new businesses to locate in Oregon.

SAIF makes it easier for existing Oregon companies to stay in business and to grow and create more jobs for Oregonians.

State officials have also estimated that if Measure 38 passes, it will add significant costs to state and local governments, including local school district budgets. We should not increase costs to our governmental budgets just when our economy is starting to recover.

SAIF is also working to make sure that rural Oregonians have access to health care.

SAIF provides low-cost malpractice insurance to over 1,000 doctors who practice in rural Oregon.

SAIF has cut the malpractice insurance rates for obstetricians by 80 percent. Family practitioners who provide obstetric services have seen malpractice insurance rates cut by 60 percent, and malpractice insurance rates for all other types of rural doctors have been cut by 40 percent.

SAIF is an asset to our state and belongs to all the people of Oregon. I urge you to vote NO on Measure 38 and work with me to see that SAIF continues to serve the people of Oregon and its economy.

Theodore R. Kulongoski
Governor

(This information furnished by Theodore R. Kulongoski, Governor of Oregon.)


Argument in Opposition

SPOUSE OF DECEASED OREGON WORKER
OPPOSES MEASURE 38

SAIF WORKS FOR ALL OF OREGON

My husband, Michael Vernon Stanfield, was killed on the job in a log truck collision on Highway 42S outside of Myrtle Point, Oregon on February 11, 2000. At that moment, my life changed.

SAIF was the worker's compensation carrier for my husband's employer, a small Oregon business. Upon his death, SAIF was there, helping me through a very traumatic time in my life. If I had any questions, I was able to call and get an immediate answer. They kept me informed at all times of what the process was and even helped out with most of the paperwork. Their compassion and caring shone through and continues to this day.

Think about it, what would you do if someone close to you was injured or died on the job and the employer could not afford the low rates that SAIF offers? How would you survive? What if you were injured on the job? Do you have enough money to make it through the hospitalizations, pay the doctor bills, rehabilitation, time off of work to recover? SAIF takes care of its workers, SAIF takes care of Oregon. SAIF works!

SAIF is an Oregon Corporation helping small Oregon businesses. Oregon is known for its many small businesses and without the low rates that SAIF is able to provide, many of these businesses would not be able to cover their workers.

Don't let an out of state company come in and make it hard for our small businesses to work. Losing SAIF would be bad for business and bad for Oregon's economy. But, it would be worse for those that are injured on the job and those that have to carry on after a loved one is killed on the job.

Please join me in voting NO on Measure 38.

(This information furnished by Nora Stanfield, a SAIF beneficiary.)


Argument in Opposition

Associated General Contractors Oregon-Columbia Chapter
The Oregon-Columbia Chapter of AGC serves nearly 1,100
Oregon and SW Washington member firms in the commercial
construction industry. Together, we employ over 32,000
employees with family wage jobs.

AGC firms are the companies that build your schools. We build your hospitals. We build your roads and bridges. We build your churches and parks. We build your factories, your shopping center and your corner market. We are proud members of what drives Oregon's economy, and we urge your no vote on Measure 38.

Ballot Measure 38 is damaging to the employers in the construction industry

Oregon's workers' compensation system isn't broken. In fact, its success in lowering costs made workers' compensation one of the state's most effective economic development tools. We in the construction industry face dramatic increases in nearly every other insurance premium we pay: health insurance (20%+ increases), liability insurance (60%+ increases), etc. But workers' compensation rates have decreased or held steady in 14 years. Rates in the construction industry could rise 35% if Measure 38 passes, dampening a difficult economic recovery for the commercial construction industry.

Ballot Measure 38 takes away our safety partner

The safety of our employees and jobsites is our number one goal. Together with SAIF Corporation, AGC member firms over the last 10 years have seen a 63.6% decline in claims frequency. Those are real people who are going home at the end of the day safe instead of injured – we've prevented thousands of injuries, and we couldn't be more proud. Ballot Measure 38 abolishes SAIF Corporation, our partner in providing excellent safety services for all employers – from firms with over 100 employees to new companies with just 8.

Don't fix what isn't broken – Vote NO on Ballot Measure 38.

(This information furnished by Craig Honeyman, Executive Director, Associated General Contractors, Oregon-Columbia Chapter.)


Argument in Opposition

AN EXPERIENCED WORKERS' COMPENSATION
INSURANCE EXECUTIVE
EXPLAINS WHY HE'S VOTING NO
ON MEASURE 38

I have worked in the workers' compensation business most of my career. Currently I lead the workers' compensation practice for Anchor Insurance and Surety, a company that serves the insurance needs of employers throughout the West.

I oppose Measure 38 and caution Oregon voters to beware of the motives of the company, Liberty Northwest (part of the workers' compensation insurance industry giant, Liberty Mutual) that is pushing the plan to abolish SAIF Corporation, the state-owned workers' compensation insurance company.

Workers' compensation insurance is a unique and challenging business. When earnings on investments of insurance reserves are strong, private insurance companies seek to expand market share by offering more competitive rates. When earnings suffer, profit pressures drive rates up.

State funds such as SAIF are intended to keep rates low and keep private carriers competitive. SAIF also benefits when investment earnings rise, but, as a nonprofit, SAIF returns its excess earnings to policyholders as dividends. Since 1990, SAIF has returned $734 million in dividends to policyholders. SAIF's nonprofit status, efficient claims management and significant efforts aimed at workplace safety mean SAIF's rates are lower than its private competitors.

Liberty doesn't like that kind of competition. And rather than improve its own efficiencies and compete the old-fashioned way, Liberty has sponsored Measure 38 to abolish SAIF. Liberty claims that if Measure 38 passes, other insurers will come to Oregon to compete. I deal with insurance companies every day and I can tell you it's not likely other companies would enter the Oregon market because Liberty already has a sizable Oregon operation in place and Oregon is too small a market to spend money competing where industry giant Liberty already dominates.

One thing is certain. If Liberty succeeds, Oregon businesses will pay higher premiums. Measure 38 is bad for every business – except Liberty's.

PLEASE JOIN ME IN VOTING
"NO"
ON MEASURE 38

(This information furnished by Lynn Armstrong, Anchor Insurance & Surety, Inc.)


Argument in Opposition

Judge Jeanne Burch
Wheeler County Commissioner

As a Wheeler County commissioner, I am responsible for administering Wheeler County's budget. Particularly in these economic times, which have hit rural Oregon doubly hard, it is critical that government operate efficiently. Every dollar must be allocated to the vital services local governments provide.

For years, thanks to SAIF Corporation, our workers' compensation rates have been one of the few bright spots on our budgets. SAIF has provided low-cost workers' compensation rates while providing excellent benefits to Wheeler County's valued employees.

If Measure 38 passes, that bright spot will quickly fade, giving way to higher rates and fewer dollars for roads, public safety and human services. This is something my county cannot afford.

The state's fiscal impact analysis of this measure is staggering. Measure 38 will cost taxpayers and state and local governments millions. That translates to less money for schools. State officials estimate that, if the measure passes, it would reduce state revenue by $405 million annually.

The measure would also require additional state government expenditures of $1.8 million to $5.5 million per year on a recurring basis with an additional one-time expenditure of $2.2 billion to $2.4 billion. On top of that, the measure would require local government expenditures of $2.6 million to $10.5 million per year on a recurring basis.

As a county commissioner I am painfully aware that the Oregon's budget is already expected to have a $1 billion shortfall. This county and our state simply cannot afford to waste billions on a bad idea. We need to allocate our resources on productive endeavors for our state, not destroy our workers' compensation system, one of the few competitive advantages Oregon's economy enjoys.

Please Join me
in Voting
"NO"
on Measure 38

(This information furnished by Jeanne Burch, Wheeler County Commissioner.)


Argument in Opposition

Smith Educational Systems
Urges Oregonians to Vote
"NO"
on Measure 38

Smith Educational Systems. is a school aimed at serving families with young children. We are a small business offering educational programs focused on preparing young children for elementary school. With over 200 families in our school, we provide educated teachers to educate your children in a safe and loving environment. We believe this is a vital service for preparing Oregon's children and families for future success.

We also believe that Measure 38 would not only harm Smith Educational Systems, but more importantly it would harm the children and families. That's why Smith Educational Systems opposes Measure 38.

Workers' compensation costs are one of the primary expenditures small businesses organizations have. Low workers' compensation rates have gone along way to helping our organization keep costs low and SAIF is the major reason why. Without SAIF we would lose a key partner in maintaining first-rate benefits for our employees. We would also see our workers' compensation rates dramatically rise. It is estimated that some businesses would be forced to endure 20 to 50 percent increases in workers' compensation rates.

Measure 38 is a poor choice for Smith Educational Systems, a poor choice for small businesses and more importantly, a poor choice for Oregon children and families.

Please Join Smith Educational Systems in
Voting NO on Measure 38

(This information furnished by Tim Smith, Smith Educational Systems.)


Argument in Opposition

ASSOCIATED OREGON LOGGERS
Oppose Measure 38

Associated Oregon Loggers (AOL) represents
logging firms and businesses.
AOL is the largest loggers association (in members) in the USA.

Measure 38 Damages Oregon's Economy

Measure 38 would abolish SAIF resulting in staggering increases in workers' compensation costs, especially for high-risk businesses like logging. If Measure 38 is adopted, Oregon businesses would be forced to pay over $100 million more each year, potentially costing Oregon thousands of jobs. The average employers' workers' compensation rates would increase by as much as 20 percent. Oregon's already struggling logging industry, which provides many family-wage jobs, would potentially endure increases of 35 to 50 percent.

Measure 38 Will Cost Employees their Jobs

SAIF insures many loggers and 60 percent of Oregon's small and high-risk businesses – businesses private insurers don't want to cover. If SAIF is abolished, many companies will face dramatically higher costs and some may be forced out of business.

Injured workers currently covered by SAIF also would be harmed if SAIF were abolished. SAIF makes claims decisions in half the time it takes private carriers and makes first payments to injured workers faster.

SAIF also partners with Oregon employers and trade associations to enhance safety and preventing injuries before they take place. AOL members have seen a XX percent drop in injuries and workers' compensation claims since partnering with SAIF.

Measure 38 Is a Greedy Scheme to Benefit Liberty Insurance

Liberty Northwest and its Boston-based parent, Liberty Mutual, its Boston-based parent company, are the only ones that benefit from Measure 38. That's why they're willing to spend millions of dollars on ads The Oregonian called "dark and deceiving." (June 13, 2004) The attack on SAIF is part of Liberty Mutual's national agenda to eliminate or restrict state workers' compensation funds so it can make more money.

Say "L' NO to Liberty's greedy scheme.

Vote "No" on Measure 38

Join Associated Oregon Loggers in Keeping Oregon Strong!

(This information furnished by Jim Geisinger, Executive Vice President, Associated Oregon Loggers, Inc.)


Argument in Opposition

A LIBERTY NORTHWEST CUSTOMER
URGES A "NO" VOTE ON
MEASURE 38

Our Eugene business insures its employees with Liberty Northwest, but we oppose Liberty's unfounded attacks on SAIF and the role SAIF plays in keeping Oregon's workers' compensation costs low. We also oppose Liberty's plan to abolish SAIF, Ballot Measure 38.

We chose Liberty because they wanted our business enough to offer competitive rates. But if Liberty is successful in eliminating SAIF, its low-cost competitor, we know that Liberty will raise its rates. This will hurt our employees, hurt our business and hurt Oregon's economy.

Liberty complains that it's hard to compete with SAIF on price. They can compete when they want to, like when they pitched our business. According to the Oregon Insurance Division, Liberty's market share last year among the top 25 carriers was 20 percent, up from 19 percent in 2002 and 17 percent in 2001. Liberty's share of the Oregon workers' compensation insurance market is bigger than Liberty's market share in 48 other states.

And Liberty is the nation's largest workers' compensation company. In short, there's no indication the company is struggling in the Oregon market.

Liberty has mounted its campaign for Measure 38 with misleading ads and false claims. The truth is, Measure 38 is a blatant money grab by one of America's largest insurance companies. They are asking Oregon voters to increase their profits, profits sent to the parent company in Boston, at the expense of our economy. As Liberty has proven with our firm, it can win business when it competes. That's the way the system is supposed to work.

Eliminating competition by investing millions in a deceptive campaign to convince Oregonians to vote against our best interests isn't playing fair.

I urge you to join me in voting NO on Measure 38.

(This information furnished by Alan J. Thayer, Jr., Managing Partner, Perrin & Thayer LLP.)


Argument in Opposition

FORMER SENATE PRESIDENT GENE DERFLER
URGES A "NO" VOTE ON MEASURE 38

When I entered the legislature in the 1980s, I dedicated my legislative career to repairing Oregon's ailing workers' compensation system. As a business owner, I knew the system was in desperate need of repair. Not only were costs high, but services to injured workers were deficient.

Together with a coalition of interests, we reformed Oregon's workers' compensation system throughout the 1990s. Today Oregon's system serves as a national model. While our neighbors in Washington and California have endured double-digit rate increases, Oregon has enjoyed a basic workers' compensation rate that has not increased in 14 years.

Measure 38 asks Oregon voters to destroy our workers' compensation system by abolishing SAIF Corporation. SAIF is the key factor keeping Oregon's rates low. Fiscal analysis indicates that if SAIF is abolished, the cost of workers compensation will increase by more than $108 million a year, resulting in the loss of thousands of jobs. Average workers compensation rates would increase by nearly 20 percent, according to state data.

Most directly impacted would be the 44,000 employers who insure with SAIF, and workers they employ. SAIF insures 60 percent of Oregon's small businesses and many high-risk businesses that private insurers don't want to insure. If SAIF is abolished, many of these small and high-risk businesses would be assigned to a special high-risk pool and forced to pay rates 30 to 50 percent higher than what SAIF charges them.

Oregon businesses and employees are not promoting this measure. Indeed, they are strongly opposing Measure 38, as I do. In fact, the measure's only financial supporter is Liberty Northwest, SAIF's primary competitor. Liberty has spent millions on its campaign to eliminate the competition and dominate Oregon's workers compensation market.

Measure 38 may be what's best for Liberty Insurance, but it's not what's best for Oregon workers, Oregon employers and Oregon's economy

Please join me in voting no on Measure 38.

(This information furnished by Gene Derfler, Former Senate President.)


Argument in Opposition

Associated Oregon Industries
Oppose Measure 38

Associated Oregon Industries represents over 20,000
member companies, employing almost one third
of the state's private workforce.

Measure 38 Throws Oregon's Money Down the Drain

The official projection by the State of Oregon is that Measure 38 will cost at least 2.2 billion dollars.

Measure 38 Hurts the Economy

Oregon employers will be forced to pay an average of 20% more for workers compensation insurance if SAIF is abolished, according to data from Oregon Department of Consumer and Business Services. The cost of workers' compensation for Oregon employers will skyrocket by more than $108 million every year, statewide. If SAIF is abolished, most employers will have only two choices: buy expensive insurance from a private insurance firm or close.

Measure 38 is Bad for Jobs

Abolishing SAIF will damage some 44,000 Oregon employers who insure with SAIF. SAIF insures 60 percent of Oregon's small businesses and many businesses will be assigned to an expensive high-risk pool and see their rates shoot up 30 to 50 percent. Without SAIF to keep costs competitive, rates for all companies go up. Even self-insured companies will see cost increases as their suppliers pass on their increased costs.

Measure 38 Equals Greed

The initiative to abolish SAIF is financed and pushed by Liberty Northwest, SAIF's competitor. Liberty Northwest is part of an out-of-state firm, Liberty Mutual of Boston, that paid nearly $2 million to professional signature-gatherers to get Measure 38 on Oregon's ballot. Liberty Mutual is pursuing a national agenda to eliminate or restrict state workers' compensation funds, and Oregon is its current target.

Liberty Northwest wants profits for its eastern shareholders, not benefits for Oregon workers and low costs for Oregon businesses. Say NO to Measure 38 and "L" NO to Liberty Insurance.

Measure 38 Deserves Your NO Vote

Please join our 20,000 Oregon business members in
voting NO on Measure 38

(This information furnished by Richard Butrick, President, Associated Oregon Industries.)


Argument in Opposition

THE OREGON BUILDING INDUSTRY ASSOCIATION
URGES A "NO" VOTE ON MEASURE 38

The Oregon Building Industry Association is a statewide trade
organization representing all interests of the
home building industry.

Measure 38 will Hurt Small Businesses and Employees

One of the largest expenses for small businesses and in particular homebuilders is workers' compensation insurance. Today, SAIF ensures 60 percent of Oregon's small businesses and many high-risk businesses such as homebuilders. If SAIF is abolished, our industry can bank on workers' compensation rates increasing by 50 percent. The higher costs will hamper the construction industry, cause layoffs and at worst shut business down.

Measure 38 will Hurt Oregon's Economy

SAIF Corporation's success in keeping workers' compensation rates low is one of the state's most effective economic development tools. SAIF also provides some of the highest benefits in the nation. Oregon enjoys the best possible scenario, low rates for employers with comparatively higher benefits to employees. Abolishing SAIF would remove Oregon's workers' compensation advantage a key ingredient to providing family-wage jobs.

Abolishing SAIF would dramatically increase the cost of workers compensation to Oregon employers by more than $108 million a year, resulting in the loss of thousands of jobs. Average employers' workers compensation rates would increase by nearly 20 percent, according state data. Without SAIF tempering costs in Oregon, Liberty Insurance, the sponsor of Measure 38, would be able to charge higher rates and would have less incentive to improve its claims and risk management services.

Injured workers currently covered by SAIF also would be hurt if SAIF is abolished. SAIF makes claims decisions in half the time it takes private carriers and makes first payments to injured workers faster. Future management of their claims would be in the hands of companies focused on profits that can only be made if claims costs are cut.

Please Join Oregon Builders, Employers and Employees
in Voting NO on Measure 38.

(This information furnished by Scott Barrie, Oregon Building Industry Association (OBIA).)


Argument in Opposition

Dear Oregon voter,

My name is Pete Sorenson, an elected Lane County Commissioner. I grew up in Coos County, graduated from the University of Oregon, ran a private law firm, and served as an elected Oregon State Senator who served on the Senate Judiciary Committee. I've been a licensed Oregon attorney for 22 years. My clients have included injured workers and small businesses. Because of this experience, working on insurance issues, that I want to provide you with my perspective on this important measure

I oppose ballot measure 38 to abolish SAIF Corporation, formerly the State Accident Insurance Fund. This measure will hurt small businesses through increased premiums and less accountability.

SAIF was founded in 1914 as a self-supporting agency to fill a gap in the market for affordable worker's compensation insurance. Today, SAIF serves more than 44,000 employers that represent more than 60 percent of small businesses and over half the non-profits in Oregon. Many of the businesses that SAIF insures are small and high-risk businesses that if insured by private firms would by placed in special high-risk pools that charge higher rates.

While SAIF has engaged in some excesses in lobbying, reform and increased accountability should be demanded, not abolishing this public corporation.

Passing this measure also means higher premiums and less accountability for small businesses, the very businesses SAIF was created to help. Worker's compensation insurance is very important to all Oregon workers. If SAIF were abolished, insurance rates would increase by nearly 20 percent and cost businesses up to $108 million in increased rates. This means fewer jobs and higher costs for many of Oregon's small businesses.

Thank you,

Pete Sorenson

PS - If you have any questions about the seriousness of this measure to abolish SAIF and why I oppose it, please contact me at Pete Sorenson PO Box 10836, Eugene, Oregon 97440 or call me at (541) 485-6726 or email me at sorenson2004@juno.com.

(This information furnished by Peter Sorenson.)


Argument in Opposition

OREGONIANS ARE NOT STUPID!

Does Liberty Northwest think Oregonians are stupid?

Why would we dismantle a successful, proven, non-profit, citizen-owned insurance company (i.e., SAIF), so that a for-profit, unsuccessful, Boston-based insurance company (i.e., Liberty Northwest) can raise rates and stay in business?

Ballot Measure 38 is just plain stupid!

Keep Oregon's dollars in Oregon, not in Boston.

Keep insurance rates low.

Keep SAIF!

Vote NO on Measure 38!

(This information furnished by James B. Northrop.)


Argument in Opposition

The Oregon Nurses Association
Opposes Ballot Measure 38

As the President of the Oregon Nurses Association (ONA) and a career nurse I am acutely aware of the importance of maintaining a safe workplace not only for our patients but also for the safety of doctors, nurses and other employees in hospitals and medical offices throughout Oregon.

The ONA believes that SAIF Corporation plays a critical role in preventing workplace injuries. The ONA works closely with SAIF to ensure the utmost level of care and attention is dedicated to maintaining and enhancing safety.

Measure 38, which abolishes SAIF, would undermine all our work and increase workers compensation costs for the medical care providers further increasing health care costs.

The ONA believes SAIF has been an Oregon success story since reforms to the insurer took place in the 1990s. Affordable worker's compensation is an important priority for Oregon's heath care providers and employees. SAIF has done an excellent job keeping rates low. In fact, Oregon's basic rate hasn't increased in 14 years, largely due to SAIF's efforts.

Oregon's low workers' compensation rates are one of the best thing the state's economy has going for it. Oregon's rates are much lower than those in neighboring California and Washington, both now struggling to reform their workers' compensation systems to work more like Oregon's.

Abolishing SAIF would dramatically increase the cost of workers' compensation to Oregon employers. Estimates indicate it could raise rates for some businesses by 30 to 50 percent. That could cost Oregon employer's more than $108 million a year and may result in the loss of thousands of jobs.

Oregon workers, businesses and our state's economy have a lot invested in SAIF. Abolishing SAIF would cause great harm to our state and most importantly undermine Oregon's future.

Please join the ONA in voting in no on Measure 38.

(This information furnished by Debbie Cassell, President, Oregon Nurses Association.)


Argument in Opposition

EASTERN OREGON BUSINESSES
OPPOSING MEASURE 38

BAKER CITY BUSINESSES:
Black Distributing, Inc.

BURNS BUSINESSES:
ACW, Inc.
Burns Building Supply

ENTERPRISE:
Alder Slope Ditch Co., Inc.

JOSEPH:
Joseph Bronze

LA GRANDE BUSINESSES:
AC&L Inc., dba Action Plumbing
Kohr Body Shop Inc.
Steven J. Joseph, P.C.
Nature's Pantry, Inc.
Rogers Asphalt Paving Co./Redi-Mix Concrete
Weaver Construction Co.

MILTON-FREEWATER:
Lyon Repair

MT. VERNON BUSINESSES:
Dakom Logging, Inc.
Oregon Telephone Corporation

NYSSA:
Fiesta Farms Inc.

ONTARIO BUSINESSES:
Blackaby Insurance Agency, Inc.
Maeda-Tuttle Construction

(This information furnished by Mark Nelson.)


Argument in Opposition

SOUTHERN OREGON BUSINESSES
OPPOSING MEASURE 38

ASHLAND BUSINESSES:
Ashland Greenhouses
Domestic Solutions LLC, Zoe Lehmann, member
Siskiyou Transportation, Inc.
Town & Country Chevrolet Oldsmobile, Inc.

CANYONVILLE BUSINESSES:
Canyon Hydraulics, Inc.
Huffman-Wright
Smokey's Pals LLC
South Douglas Saw Shop

CENTRAL POINT BUSINESSES:
Grange Co-Op
Hydro-Flow Inc., Raymond W. Urton, Chairman of the Board
Interstate Battery Systems of Southern Oregon
PremierWest Bank

DRAIN BUSINESSES:
North Douglas Economy Drugs, Inc.

EAGLE POINT BUSINESSES:
Southern Oregon Tallow Company, Inc.

GRANTS PASS BUSINESSES:
Auto Tech Mfg. LLC
Copeland Sand & Gravel, Inc.
HBA of Josephine County
Henry Turk Trust
HMK Corporation dba Herb's LaCasita, Beverly C. Parker, President
Larson's Cabinet Factory Inc.
Royale Gardens Health & Rehabilitation Center
Star Automotive
Wm. R. Lovelace Construction, Inc.
Zottola's Valley of the Rogue Dairy, owner-partner Palmer Zottola

KLAMATH FALLS BUSINESSES:
AAA Discount Storage
Anderson Production Printing
Citation Upholstery
Frank Grohs Equipment Repair
Heaton Steel & Supply, Inc.
Horizon Erectors, Inc.
Klamath Basin HBA
Klamath Pacific Corp.
Liens Store
Mick Insurance Agency, Inc., Carol Mick, President
Novak's Auto Parts
Powley Plumbing Inc.
Sessler Metals, Inc. / Sessler Metals Used Steel, Inc.
Wildland Timber Falling, Inc.

LAKEVIEW BUSINESSES:
Nolte Insurance Agency, Inc., Gigi Outland

MEDFORD BUSINESSES:
The Acorn Press, Inc.
Airport Chevrolet
Bach's Camera Center
C.W. Concrete, Inc.
Color Rite Auto Body, Roy Borelli, owner
Dollar GMC-Oldsmobile
Forestglen Lumber Co.
Modern Plumbing
Morgan Pacific, LLC
Piano Studios & Showcase, Thomas Lowell, President
Profile Grinding & Machine Inc.
Silver Bell Wholesale, Barbara Burke
Southern Oregon Subaru Volvo Mitsubishi

MYRTLE CREEK
Cam Cat Tractor Inc.
SA Schuyler & Sons Inc., Sidney Allen Schuyler, President

OAKLAND
J&B Wood Products, Inc.

O'BRIEN BUSINESSES:
Mark Rehmar Studio

ROSEBURG BUSINESSES:
A-1 Auto Sales Inc.
AAMCO Transmissions
Cagle Communications, Inc.
Destiny Communications Inc., Terry L. Brown, Sec/Treasurer
Douglas Timber Operators, Robert Ragon, Executive Director
First Strike Environmental, Judith A. McLaughlin, Insurance Administrator
Roseburg Disposal Co.
Walker Bros. Auto Repair Inc.
Western Testing, Inc.

WHITE CITY
S&B James Construction Co.

(This information furnished by Mark Nelson, Committee for SAIF-Keeping.)


Argument in Opposition

CENTRAL OREGON BUSINESSES
OPPOSING MEASURE 38

BEND BUSINESSES:
Bend Heating & Sheet Metal Inc.
C.A.C. Transportation, Inc. dba Central Oregon BREEZE
Carlson Sign, Peter Carlson, President
Century Insurance Group LLC
Constructor Services, Inc., Sherry W. Rodgers
Hancock Construction Inc.
High Desert Beverage Distributors, LLC, Dave Kremers, CEO
Hooker Creek Companies, LLC
J-R's Body & Paint Works Inc.
Ken's Ice, Ray Lakey, President
LAMCO Industries Inc., Mike Erbele, President
Mountain High Contractors, Inc.
Pine Mountain Acoustical, Inc.
Robert S. McDaniel, CPA
Round Butte Seed Growers
The Oregon Store Inc.

MADRAS BUSINESSES:
Bright Wood Corp.
Madras Builders Center, Inc.
Tiger Mart and Deli, Inc.

PRINEVILLE BUSINESSES:
Barr Groff Trucking
Cooper Electric I, LLC

REDMOND BUSINESSES:
Courtesy RV, Inc. and Courtesy RV, Inc. dba Auto Electric & Power Systems

SISTERS BUSINESSES:
Chaparral Apartments
Hinterland Ranch

(This information furnished by Mark Nelson.)


Argument in Opposition

COLUMBIA GORGE/I-84 BUSINESSES
OPPOSING MEASURE 38

BOARDMAN BUSINESSES:
Boardman Hardware, Inc.

HEPPNER BUSINESSES:
Heppner Hardware
Morrow County Grain Growers, Inc.

HERMISTON BUSINESSES:
A-Plus Connectors
Columbia Court Club, Inc.
Hermiston Home Center, Inc.
Power Pro, Inc., Jon Patterson

HOOD RIVER BUSINESSES:
Hood River Supply Assn.
Krieg Millwork & Building Supply, Ravinder K. Grover
Laraway & Sons, Inc.
Phelps Trucking Inc.
von Lubken Orchards Inc.
Your Rental & Party Center

PARKDALE BUSINESSES:
Lava Nursery Inc.
Norman L. Pratt General Contractor

PENDLETON BUSINESSES:
Hill Meat Company, William VanEtta, Controller
Obie's Import Repair, Inc.
West's Rental & Sales Inc., Sharon West, Sec/Trea.

THE DALLES BUSINESSES:
Columbia River Music, Inc.
Dahle Orchards
Orchard View Farms, Inc.
Polehn Farms Inc.

(This information furnished by Mark Nelson.)


Argument in Opposition

OREGON COAST BUSINESSES
OPPOSING MEASURE 38

ASTORIA BUSINESSES:
Knappa Water Assn.
Rickenbach Construction Inc.
Wesrose's Antiques
Wilkins Construction LLC, Jim Wilkins, managing member

BANDON BUSINESSES:
Second Street Gallery

BROOKINGS BUSINESSES:
Freeman Rock, Inc.
Leslie E. Hahn Inc.
ORCA, Inc., Marsha Geraghty

COOS BAY BUSINESSES:
Abel Insurance Agency
Bay Area Chamber of Commerce
Blue Heron Bistro, Inc.
Coast Carpet, Inc., John Hamilton, Pres.
Coos Bay Trawlers' Assoc., Inc.
Crook Timberlands LLC
Doug's Industrial Machining
Ferguson Transfer
Koontz Machine and Welding, Inc.
Lee Webster Excavating, Inc.
Messerle & Sons
Raindance Laundry & Diaper Services, LLC, Michael R. Watson, Owner
Thomas and Sons Transportation
Vend West Services Inc.
West Coast Contractors

FLORENCE BUSINESSES:
R. Scott Roberts
Ray Wells, Inc.

GOLD BEACH BUSINESSES:
Mike O'Dwyer, Lawyer

LINCOLN CITY BUSINESSES:
Halvorson-Mason Corp.
North Lincoln Sanitary Service
Lincoln City Chamber of Commerce

NEHALEM BUSINESSES:
Ayres Construction, Inc.

NEWPORT BUSINESSES:
Anne Herff Meyer DDS, LLC
Alan Brown Tire Center, Inc.
Associated Cleaning Svcs., Inc.
Barney & Larkin Construction, Inc.
Orca Builders, Inc.
W.W. Construction, LLC

NORTH BEND BUSINESSES:
Crown Roofing Co.
Donald W. Thompson, Inc., Donald J. Thompson, President
Menasha Forest Products Corporation

PACIFIC CITY BUSINESSES:
GH Construction & Design, Inc.

RAINIER BUSINESSES:
Gary Holcomb, dba Riverside Auto Body

REEDSPORT BUSINESSES:
Gerhard Goorhuis DDS PC
Laskey-Clifton Corp.

SEASIDE BUSINESSES:
Commercial Linen Service

TILLAMOOK BUSINESSES:
Bob Wirth Motors, Inc., Robert Wirth
Denis Schmitz Cedar Products
North Coast Door Co., Steve and Paulette Wynia

TOLEDO BUSINESSES:
KT Mitchell Trucking Co.
PMK Distributing Inc.

VERNONIA BUSINESSES:
Holce Logging Co., Inc., Randall E. Holce, President
Mike Pihl Logging Co. Inc.

WARRENTON BUSINESSES:
Reed & Hertig Packing Co.
Sound Waves Car Stereo

(This information furnished by Mark Nelson.)


Argument in Opposition

WILLAMETTE VALLEY BUSINESSES
OPPOSING MEASURE 38

ALBANY BUSINESSES:
B & D Custom Fabrication, Inc.
Brass Plumbing, Inc., Jon Hanson, President
Filter Care
T-Plus Steel Fabricators
W.L. Thomas Environmental LLC

CORVALLIS BUSINESSES:
Blackledge Furniture
City Limits Store
Columbia Concrete Sawing Company
Sedlak's Shoes
Starker Forests, Inc.
Willamette Valley HBA

EUGENE BUSINESSES:
Anchor Insurance & Surety, Inc.
Anslow & DeGeneault, Inc.
Brothers Cleaning Services, Inc.
Central Print & Reprographics
Chambers Construction Co.
Colburn Painting, Inc.
Egge Sand & Gravel, LLC
Eugene Sand & Gravel, Inc.
Frontier Resources LLC
John Hyland Construction
Noble Lumber Inc.
Overhead Door Co. of Eugene-Springfield
Pacific Mushrooms, Inc.
Staton Companies, Jeanne Staton, Pres.

McMINNVILLE BUSINESSES:
J.C. Compton Contractor, Inc.
High Heaven Timberlands Inc., Dan Grimm, President
James L. Heiser, L.P.T.
McDonald Lane Dental Center, Celeste D. Stephans
McMinnville Manor Mobile Home Park
Northwest Asphalt Sealing

NEWBERG BUSINESSES:
Emerick Construction
Fulcrum Technologies, Inc.
GVS Contracting, Inc., William Dale Smith, President
K2MG Interiors Inc.
Newberg Care Home
Pacific Coast Air Balancing

SALEM BUSINESSES:
A. G. Sadowski Co.
Academy of Hair Design, Inc., Gene D. Snook, President
Acoustic Panel Systems
Ankeny Lakes/St. Maries Wild Rice Cos.
Boise Cascade Corporation
Business Connections, Inc.
Cal's Propane
Forest Technologies Inc., Donald M. Miller, Vice President
GSM Constructors, Gordon McPherson, Owner
Gelco Construction Co.
Hanard Machine, Inc.
J & J Precision Machine Inc.
Johnson & Ray Investment Realty, Inc.
Landmark Pacific Inc.
Marion-Polk Bldg. Ind. Assoc.
Meyer Nursery & Orchards
Noble Mountain Tree Farm
Oregon Lock & Access, LLC
The Papé Group, Inc., Lee Wood, Director of Human Resources
Philco & Associates Inc.
Salem Sand & Gravel Co.
Standard Utility Contractors, Inc.
Superfast Undercar Parts Inc.
TimeMark Incorporated
Whitlock's Vacuum & Sewing Center

SPRINGFIELD BUSINESSES:
General Trailer Parts, LLC
Hamilton Construction Co.
Jensen Drilling Co.
L.R. Brabham Inc.
Olsson Industrial Electric, Inc.
Omlid & Swinney Fire Protection and Security
Oregon Lox Co.
Timber Products Co.

SWEET HOME BUSINESSES:
Holley Construction, LTD.
Reliable Heating & Air Conditioning
South Fork Trading Co.

(This information furnished by Mark Nelson, Committee for SAIF-Keeping.)


Argument in Opposition

WASHINGTON COUNTY BUSINESSES
OPPOSING MEASURE 38

ALOHA BUSINESSES:
Hollenbach & Hurd, Inc.

BEAVERTON BUSINESSES:
Baker Rock Resources
BTEX Analytical, Inc.
Mountain Trucking Co., Inc.
Rice Studio Supply, Inc., Scott Rice, President
Royal Pines Apartments
Seabold Construction Co., Inc., Harry W. Seabold, Vice President

CORNELIUS BUSINESSES:
Squires Electronics
TVI Power & Sports, Georgia Todd-Tiffany, President
Twigg Farm

FOREST GROVE BUSINESSES:
Hi-Tech Rockfall Construction, Inc., L. Howard Ingram, President

GASTON BUSINESSES:
Double "G" Concrete Pumping Inc.
Scroggins Creek Harvesting

GERVAIS BUSINESSES:
Fiber-Fab, Inc.

HILLSBORO BUSINESSES:
A.B. Laundry & Mat Services, LLC
Banner Furniture
Bronleewe Inc.
Cascade Tek
Columbia Corporation
Crestview Construction, Inc.
Elite Granite and Marble
The Gym-Nest LTD.
Oregon Memorials
Lakeside Industries
New Tech Electric
Scottie's Auto Body Repair, Inc.

NORTH PLAINS BUSINESSES:
Gonzales Boring & Tunneling Inc., James Gonzales, President
Rockford Corporation
Valley Machine Service

SHERWOOD BUSINESSES:
Benge Construction Co.
C&M Construction Inc.
Colamette Construction Company, Jim Hirte, President
Corvette Specialties Inc.
Disability Specialists Inc.
Westerman Developments

TIGARD BUSINESSES:
Cambridge Machine Works Inc.
Blake Enterprises and the Decorette Shop, Phillip B. Blake, President
Eagle-Elsner, Inc.
Forde Enterprises Inc., Charles Forde, CEO
Gregory Law Landscape LLC
H & A Construction Co.
Northwest Engineering Service, Inc.
Reitmeier Mechanical
Shop Equipment Co., Inc., James Havlinek, President
Snyder Roofing of Oregon L.L.C.
West Coast Masonry, Inc., Jeff Petersen, President

TUALATIN BUSINESSES:
Cascade Acoustics, Inc.
The Cleaning Solution
Construction Equipment Company
Crawford Roll-Lite Door Sales
Metro Machinery Rigging, Inc.

(This information furnished by Mark Nelson, Committee for SAIF-Keeping.)


Argument in Opposition

CLACKAMAS COUNTY BUSINESSES
OPPOSING MEASURE 38

BORING BUSINESSES:
Elte, Inc., Wes Forman
Viking Heating Inc., Larry H. Michelsen, Pres.

CLACKAMAS BUSINESSES:
A-Temp Heating & Cooling
Columbia River Contractors, Inc.
Goodman Sanitation, Inc.
Kleenair Products Co.
Milstead & Associates
Northcoast Manufactures' Agency
Parkin Electric, Inc.
R.S. Davis Recycling, Inc.
Rhino Linings of Clackamas
Righteous Clothing LLC, Alyson Salz, partner
Town & Country Fence Co. of Oregon, Dennis Fleck, President

ESTACADA BUSINESSES:
Oregon Tree Farms, Ltd.

GLADSTONE BUSINESSES:
Elting, Inc.
Hannan-Mossman Construction, Inc.

LAKE OSWEGO BUSINESSES:
American Electronics Association, Oregon Council
Employers Overload, Peter J. Szambelan, Chairman/CEO
Glazer & Associates, P.C.
Haase Industries, Inc.
Todd's Import Automotive, Todd Weedman, owner
Turco Engineering, Inc.

MILWAUKIE BUSINESSES:
Eye Clinic of Milwaukie, P.C.
Eye Health Northwest
HVAC Incorporated
North Clackamas Chamber of Commerce, Wilda Parks, President/CEO
The Stoner Electric Group

MOLALLA BUSINESSES:
Marson Trucking Inc.
Superior Glass Works

OREGON CITY BUSINESSES:
Advanced American Construction, Inc.
Coffman Excavation, Carl T. Coffman, President
Northwest Precision Fabricators
Proturn, Inc.
R. Keith Painting Inc.
RT & Associates, Inc.
Rumbold Heating & Air Conditioning, Inc., Robert B. Johnson, Secty-Treas.
SingaporeMath.com Inc.
Vandy Farms

SANDY BUSINESSES:
Speck Enterprises
Web Steel Buildings

WEST LINN BUSINESSES:
Gamble Construction Services
Hatch Western Co., Inc.

WILSONVILLE BUSINESSES:
Columbia Development Group, Inc.
Coral Construction Company, Richard C. Morgan, Controller
Integrity Logistics
Keywest Retaining Systems, Inc., Della Wyatt
Lance's Superior Auto Service
MSE Retaining Systems, Inc., Bob Westlake
Oakleaf Park
Wilsonville Lock Works, Inc.

(This information furnished by Mark Nelson, Committee for SAIF-Keeping.)


Argument in Opposition

PORTLAND AREA BUSINESSES
OPPOSING MEASURE 38

ABC Roofing Co. Inc.
ACME Welding Inc.
Access Ability, Inc.
Altizer Enterprises, Inc., Bruce Altizer
Anderson Roofing Co., Inc.
Arctic Sheet Metal
Bill R. Scharwatt
Blackthorn Group Inc.
Bristol Woodworking
Broadway Import Auto Service, Inc.
Chemical Distributors, Inc.
Chnek's JES Grocery, Juan Chiang
Classic Chauffeur Co., Inc.
Community Management, Inc.
Couturier Tree Farm
Crank City Inc.
Curtis Trailers
Current Electrical Construction Company
Dailey's Inn Inc.
Delta Fire, Inc.
David's Appliance Inc.
E.E. Schenck Company
Emerick Construction
Ferguson Commercial Coatings Co.
Finlandia Sauna Products, Inc.
Friction Products Manufacturing Co., Inc.
G/S Associates
General Tool & Supply Co.
General Tree Service
George & Son Cutlery
Glacier Northwest, Inc.
Gordon Properties, LLC
Green Transfer & Storage Co.
Gresham Podiatry Center, LLC
Hammer and Hand, Inc.
Harmer Steel Products Company
Hasselblad Lumber Sales, Steven Hasselblad, President
Hathaway Dental Lab
The Heestand Company, William Heestand
Howard Jacobs Masonry
Industrial Craters & Packers L.L.C.
JCW, Inc.
J.E. Dunn Construction - Northwest
J.S. Perrott & Co.
Jacobs Heating & Air Conditioning, Inc.
Jarmer Electric, Inc.
Jordan Schrader PC, Attorneys at Law
Keelson Partners
Kent W. Cox & Associates, Inc.
Kuhnhausen's Furniture Showcase
Mn'M Cabinet Company
Marque Motors, Inc., Kurt Leipzig
Miles Fiberglass & Composites Inc.
Miller Mechanical
Northwest Pump & Equipment
O'Brien Constructors, LLC
Oregon Auto Dealers Association
Overhead Door Co. of Portland
P & C Construction Co.
Pacific Coast Paint Co., Inc.
Payne Construction, Inc.
Peninsula Plumbing Company
Portland Music Company
Ramsay Signs Inc.
Reese Construction Inc., Colleen M. Reese
Reimers & Jolivette, Inc.
Rey Reece Dealerships
Rubber Resource, Inc.
Schaeffers' Nursery, Scott Schaeffer, Partner
Schiller & Vroman, Inc.
Starbot Inc.
Rev. Dr. Wesley Taylor
Todd Hess Building Co.
Total Rental
Triad Mechanical, Inc.
Tri-County Industrial Parts, Inc.
Van Lom & Winge
Van Lom Concrete
W.R. Reed & Company
Walsh Construction Co.
Washman LLC
Wilhelm Trucking Co., Robert J. Wilhelm Jr., Pres.
William C. Earhart Co., Inc.
William G. Moe & Sons, Inc.

(This information furnished by Mark Nelson, Committee for SAIF-Keeping.)


Argument in Opposition

THE Oregon Farm Bureau Urges a NO vote on Measure 38

Measure 38 is bad for farmers, bad for small businesses,
and bad for employees.

One of the largest expenses for Oregon farmers and other small, high-risk businesses is workers' compensation insurance. State law requires this coverage so that injured workers get the medical treatment they need. For years, SAIF has helped Oregon's family farmers and other small business owners get the workers' compensation coverage they need to take care of employees.

SAIF insures 60% of Oregon's small and high-risk businesses, including countless family farms and ranches across the state. Private insurance is often not available to these employers because the risk of offering the coverage is too high and the profits are too low. That's why SAIF was established, and that's why we need SAIF now more than ever.

If allowed to pass, Measure 38 would abolish SAIF. If we lose SAIF, family farmers and ranchers in Oregon can expect their workers' compensation rates to be 30%-50% higher than what they pay under SAIF. After years of drought and low commodity prices and other economic pressures, this is a body blow that would needlessly endanger the survival of many of Oregon's family farms.

The effects of losing SAIF would go far beyond the family farm. Small business is the backbone of Oregon's economy and the engine that drives the economic recovery. Loading another $108 million onto the backs of these farms and other small businesses would cost Oregon's economy jobs at a time when we can least afford to lose them.

If Oregon loses SAIF, we jeopardize Oregon's small businesses, family farms, and our economic recovery, all for the benefit of a single Boston corporation.

Measure 38 threatens Oregon family farms, small businesses, and our ability to compete and succeed. Don't let a Boston corporation ransack our state.

Please join me and Oregon's family farmers and ranchers
in VOTING NO on Measure 38.

(This information furnished by Barry Bushue, President, Oregon Farm Bureau.)


Argument in Opposition

Measure 38 Will Give Us the Worst of Both Worlds:
Lower Benefits for Injured Workers,
Higher Rates for Oregon Employers

If you want to understand the real agenda behind Measure 38, just follow the money to its prime sponsor, Liberty Northwest and its parent corporation, Liberty Mutual.

"Liberty Mutual, one of the most profitable workers' compensation insurance companies in America, and the admitted leader of the Measure 38 attack on Oregon's SAIF, has a history of manipulating state workers' compensation and insurance laws at the expense of injured workers and businesses…

"Liberty's strategy of cutting benefits for injured workers and attacking state workers' compensation funds has resulted in poverty-level benefits and high prices for small businesses throughout the country."

--Robert E. McGarrah, Jr., JD PPH
Coordinator for Workers' Compensation
AFL-CIO

www.oraflcio.unions-america.com/LibertyMutual.htm

Measure 38 Amounts to a Hostile Takeover of Oregon's Workers' Comp Market

Liberty is sponsoring Measure 38 to eliminate the only competitor that can keep it honest in the all-important business of providing insurance to employers and benefits to workers who are injured on the job – the State Accident Insurance Fund (SAIF).

SAIF is not perfect. It can and should be made more accountable to its stakeholders. But its record in keeping rates low is unsurpassed. And it processes claims and gets first payments to injured workers faster than its private sector competitors.

Measure 38 Will Jeopardize Benefits Promised to Disabled Workers and Raise Rates for Employers

SAIF has set aside prudent reserves to fund its promised benefits to injured workers for years to come. Measure 38 would put those reserves on the auction block, jeopardize the benefits promised to Oregon's disabled workers and create a cost crisis for employers in Oregon that could undermine our fragile economic recovery.

Measure 38 is bad for Oregon's workers, bad for Oregon's employers and bad for Oregon's economy.

Please join us in voting No on Measure 38.

Tim Nesbitt
President
Oregon AFL-CIO

Brad Witt
Secretary-Treasurer
Oregon AFL-CIO

(This information furnished by Tim Nesbitt, President, Oregon AFL-CIO.)


Argument in Opposition

Oregon's Injured Workers Say:
Don't Put Our Fate in the Hands of
Private Insurance Companies

On any given day you could become injured on the job and experience first-hand what happens when greedy private insurers put profits ahead of fair treatment for injured workers. This is why, as advocates for injured workers, we oppose Ballot Measure 38.

Measure 38 Will Be Disastrous for Injured Workers and Employers Alike

Measure 38 will abolish Oregon's non-profit State Accident Insurance Fund (SAIF) and turn our workers' compensation system over to private insurers.

In states where private insurers have complete control of the workers' compensation marketplace, we get the worst of both worlds – rates charged to employers are higher, and benefits for injured workers are lower.

Keep Faith with SAIF for the Benefit of Injured Workers

We have always supported a public workers' compensation system that can focus on delivering benefits to injured workers and keeping premiums reasonable for employers.

SAIF is not perfect. But it is now being brought to task by a new director appointed by the governor. More importantly, as a non-profit agency, SAIF plays an important role in the workers' compensation marketplace.

SAIF's benefits for injured workers are soundly funded for the long term.

SAIF has kept employer premiums low.

Because of SAIF, we have avoided the crises that other states have experienced with their workers' comp systems – crises caused when private insurers jack up their rates to boost their profits and then blame injured workers for the increase.

Don't let corporate greed do more damage to our workers' compensation system by eliminating an organization that can be a force for good for injured workers.

For the sake of Oregon's injured workers and their loved ones, and for those who will be injured in the future, please join us in voting No on Measure 38.

Ernest E. Delmazzo
Co-founder/Executive Director
Injured Workers' Alliance

Mike Maier
Secretary
Injured Worker Coalition

(This information furnished by Tim Nesbitt, President, Oregon AFL-CIO.)


Argument in Opposition

CISNEROS CONSTRUCTION, INC.

Ballot Measure 38
IS BAD FOR OREGON'S SMALL BUSINESSES

Oregon's workers' compensation system is critical to the success of my construction business. Low workers' compensation rates, coupled with the dividends I receive from SAIF, allow my business to grow, and provide better benefits. Without the low rates and excellent service SAIF provides, many small businesses would struggle to stay afloat.

Ballot Measure 38
WILL RAISE WORKERS' COMPENSATION RATES

My employees, currently covered by SAIF, will be harmed if SAIF were abolished. SAIF makes claims decisions in half the time it takes private carriers and makes first payments to injured workers faster. It's important to me that my valued employees get the medical care they need.

Abolishing SAIF will also dramatically increase the cost of workers' compensation in the construction industry. If SAIF is abolished, Oregon contractors could be forced to pay premiums 30-50 percent higher than with SAIF.

SAIF also partners with our industry to enhance on-the-job safety, which helps prevent on the job injuries. On average, our industry has seen a 60 percent drop in injuries and workers' compensation claims since partnering with SAIF.

Ballot Measure 38
ENCOURAGES CORPORATE GREED

I am personally offended by the misleading and false commercials Liberty Insurance has inundated Oregonians with over the course of their campaign. I find it shocking those corporations would choose to run their business in such a predatory and unethical manner. I know first hand that small construction contractors receive first rate service from SAIF. Many of us couldn't even get insurance from Liberty because we are too small, too risky, and don't make Liberty's shareholders enough profit. SAIF is there for us, not Liberty Insurance. Liberty's greed and self interest are not what is best for Oregon business, workers and families.

PREVENT THE DEMOLITION OF OREGON'S ECONOMY
VOTE "NO" on BALLOT MEASURE 38

(This information furnished by John Cisneros, Cisneros Construction, Inc.)


Argument in Opposition

VOTE NO ON 38
PROTECT INJURED WORKERS

IF YOU LIKE WHAT THE INSURANCE INDUSTRY HAS DONE
TO THE COST OF HEALTH INSURANCE,
YOU WILL LOVE MEASURE 38

Service Employees International Union Local 503, OPEU opposes Measure 38. The insurance industry is bankrolling passage of this measure in order to decrease competition in the area of workers' compensation insurance.

Business and labor rely on affordable workers compensation coverage in order to make sure workers injured on the job can be treated fairly and can receive the benefits and protection they deserve.

The effect of Measure 38 would be out-of-control insurance costs. Small business in certain industries, like nursing home and long-term care, could be forced into a high-risk pool. They could see their insurance costs rise by 30% to 50%.

Measure 38 would cost taxpayers more than $2.1 Billion, according to the official Financial Impact Committee.

Privatization of public services often has hidden costs. This time the cost is out in the open.

SEIU Local 503 is committed to fighting for lower health insurance rates, and in this case, lower workers' compensation insurance rates. Oregon's working families cannot afford profiteering by the insurance industry. Workers are already squeezed enough. Now is the time for voters to fight back against the insurance industry.

The working men and women of SEIU Local 503 urge you to say NO to profiteering by big insurance companies and VOTE NO on Measure 38.

For more information, please go to www.seiu503.org.

(This information furnished by Arthur Towers, Service Employees International Union Local 503, OPEU.)