In addition, rates are staying the same for the 2015 policy year! The dividend and lack of a rate increase are due to positive program loss experience, and run counter to the trend in the larger market towards substantial rate increases.  

Members benefit from COA and Mercer working together with Zenith Insurance Company (Zenith)*, to properly manage the program. Those who participate in the COA sponsored Workers’ Compensation program benefit from a number of factors:

• Consistently competitive rates.  
• Outstanding customer service.
• Joining a plan designed for Optometrists that only Optometrists can join.
• Program design and management by Mercer with dedicated representatives ready to work with you to make sure your plan performs for your practice.

Remember! The dividend calculation is reviewed every policy year. As long as you remain enrolled in the program for the entire policy period, you may be eligible for any potential dividend declared for that year.** Please take advantage of this opportunity by calling a Mercer Client Advisor at 800-775-2020 to receive a premium indication, and see how your current policy compares. 

*   ZNAT Insurance Company, a wholly owned subsidiary of Zenith Insurance Company, is the underwriter for the California Optometric Association program.

**  Additional qualifications also apply. Payment of future dividends cannot be promised or guaranteed. Past dividend performance is no guarantee of an insurer’s future dividend performance. Under California Law it is unlawful for an insurer to promise the future payment of dividends under an unexpired workers’ compensation policy or to misrepresent the conditions for dividend payment. Dividends are payable only pursuant to conditions determined by the insurer’s Board of Directors or other governing board of the Company following policy expiration. The insurance policy, not this communication, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions, and limitations that are not detailed in this communication. Coverages may differ by state. Zenith Insurance Company, Woodland Hills, CA.

Mercer Health & Benefits Insurance Services LLC • CA Ins. Lic. #0G39709

777 South Figueroa Street, Los Angeles, CA 90017 • 800-775-2020
COA.Insurance.service@mercer.com • www.COAMemberInsurance.com

70880 (1/15) Copyright 2015 Mercer LLC. All rights reserved.