Dividend Calculator
Check Your Eligibility: Member Dividend Eligibility Calculation Tool
Use this tool to estimate when you may qualify to receive your first dividend and better understand how distributions are determined.
Discover Your Eligibility for a TBG Dividend
As a Member-owned self-insured workers’ compensation fund, TBG is proud to share financial success with the contractors and construction businesses that help make it possible. Our annual dividend program rewards eligible Members for their commitment to safety, performance and long-term partnership.
What Makes a Member Eligible?
To receive a dividend, you must:
- Be a current TBG Member in good standing
- Have contributed to the profit of the fund for the designated Fund Year
- Be a Member on the date the dividend is paid or credited
- Maintain a loss ratio below the breakeven point for that Fund Year
How Are Dividends Calculated?
TBG’s Board of Directors authorizes dividends based on the Fund’s performance in a given year. Dividends are calculated using the following criteria:
- Your contribution to the fund’s profit
- The breakeven loss ratio for that Fund Year
- Your individual loss ratio compared to the Fund average
- Claim development and fund performance over time
- Members with lower-than-average loss ratios are eligible to receive a portion of the dividend in proportion to their contribution to the Fund’s profit.
Dividend Payment Schedule
Authorized dividend distributions are paid out incrementally to protect the long-term strength of the fund. Here's how it works:
| Fund Year | Maximum Dividend Payout |
|---|---|
| Year 1 | 10% |
| Year 2 | 20% |
| Year 3 | 40% |
| Year 4 | 60% |
| Year 5 | 80% |
| Year 6 | 100% |
Note: Uncashed dividend checks will be voided after one year and returned to the fund.