REVIEWER: Todd B. Calhoun, assistant deputy executive director for the New York State Insurance Fund.

BACKGROUND: The New York State Insurance Fund (NYSIF) is New York State's largest workers compensation insurance carrier, with about 25 to 30 percent of the market. NYSIF is a non- profit entity of the State of New York whose mission includes remaining a solvent carrier available for all businesses in New York. NYSIF ended the year 2000 with approximately 170,000 in-force policies and had net premiums of just over $1 billion for the year. NYSIF also writes disability benefits insurance in New York.

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