Please contact the WCRA premium services staff with any billing or payment questions.

WCRA Lockbox Address

PO Box 860025, Minneapolis, MN 55486-0025

The WCRA lockbox is for premium payments in check form only.

Wire or ACH Transfer of Funds

Please contact WCRA premium services staff for wire or ACH instructions.

WCRA's Banking Address

U.S. Bank - Lockbox 860025
1200 Energy Park Drive
St. Paul, MN 55108

This address is for premium payments sent via overnight mail (e.g. Federal Express, etc.) only.

Premium Billing

The WCRA bills members an estimated reinsurance premium every December for the coming year. A member’s estimated premium is determined by multiplying its exposure base by the reinsurance rate applicable to the retention level chosen by the member.

To calculate the estimated reinsurance premium, the WCRA uses an actuarial projection of its own exposure in the coming year. Each member is charged estimated premiums based on its pro rata share of the WCRA’s total projected exposure. The pro rata share is based on the most recent actual exposure base figures available, which are always for the period two years prior to the year being billed.

>>> View a sample WCRA Premium Invoice which includes an explanation for each section of the document <<<


WCRA members may pay their premium bills in one lump sum or in four equal quarterly installments. It is not necessary to notify the WCRA of your payment option. If the first payment received is an installment payment, the WCRA will automatically send invoices for the remaining quarterly premiums. There is no additional fee or penalty for choosing to pay in quarterly installments.

Due Dates

The full premium amount or the first installment payment is due at the WCRA lockbox on February 1 of each year. If the payment received by February 1 is an installment payment, the remaining quarterly premiums are due April 1, July 1, and October 1. The WCRA mails premium invoices approximately 30 days prior to the due date.

Late Fee

Members can avoid late fees by paying premiums by the due date indicated on the invoice. If a member chooses not to pay premiums in quarterly installments, a late fee is calculated on the late installment only, not on the outstanding balance.

Payment Options

You may pay your WCRA premiums by using one of the options listed. All checks must be made payable to WCRA or Workers' Compensation Reinsurance Association and be mailed to the WCRA's lockbox. There may be a delay in payment receipt if payments are sent to the main office. All other correspondence should be sent to the main office.