Title 8, Labor and Industry
0 chapters · 874 sections in this title.
Colo. Rev. Stat. § 8-43-405 Payment as discharge of liability - conflicting claims
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Payment of death benefits to one or more dependents shall protect and discharge to that extent all compensation under articles 40 to 47 of this title unless and until any other person claiming to be a dependent has given the division notice of said person's claim and until the di…
Colo. Rev. Stat. § 8-43-406 Compensation in lump sum
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(1) At any time after six months have elapsed from the date of injury, the claimant may elect to take all or any part of the compensation awarded in a lump sum by sending written notice of the election and the amount of benefits requested to the carrier or the noninsured or self-…
Colo. Rev. Stat. § 8-43-407 Election to waive vocational rehabilitation benefits and become subject to permanent partial disability provisions
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In all cases arising under articles 40 to 47 of this title prior to July 1, 1987, the employee, the employer, and, if insured, the insurance carrier may elect, upon unanimous agreement, in writing to waive vocational rehabilitation which was awarded pursuant to section 8-49-101 a…
Colo. Rev. Stat. § 8-43-408 Default of employer - additional liability
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(1) If an employer is subject to articles 40 to 47 of this title 8 and, at the time of an injury, has not complied with the insurance provisions of those articles or has allowed the required insurance to terminate, or has not effected a renewal thereof, the employee, if injured, …
Colo. Rev. Stat. § 8-43-409 Defaulting employers - penalties - enjoined from continuing business - fines - procedure - definition - repeal
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(1) An employer subject to the terms and provisions of articles 40 to 47 of this title who fails to insure or to keep the insurance required by such articles in force, allows the insurance to lapse, or fails to effect a renewal of the insurance shall not continue business operati…
Colo. Rev. Stat. § 8-43-410 Right to compensation operates as lien - interest on award
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(1) The right of compensation granted by articles 40 to 47 of this title and any awards made thereunder shall have the same preference or lien without limit of amount against the assets of the employer or the employer's insurer or both as may be allowed by law for a claim for unp…
Colo. Rev. Stat. § 8-43-501 Utilization review process - legislative declaration - cash fund
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(1) The general assembly hereby finds and determines that insurers and self-insured employers should be required to pay for all medical services pursuant to this article which may be reasonably needed at the time of an injury or occupational disease to cure and relieve an employe…
Colo. Rev. Stat. § 8-43-502 Independent medical examinations
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(1) The director shall maintain a list of physicians which shall be known as the medical review panel. The director shall utilize public and private resources as are available and appropriate in determining standards and qualifications for the medical review panel members. It sha…
Colo. Rev. Stat. § 8-43-503 Utilization review of health-care providers
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(1) The general assembly hereby finds and determines that health-care providers that provide medical care or health-care services that are not reasonably necessary or not reasonably appropriate according to accepted professional standards should not be allowed to provide such ser…
Colo. Rev. Stat. § 8-43-601 Short title
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This part 6 shall be known and may be cited as the Provider Review and Disclosure Act. Source: L. 2010: Entire part added, (SB 10-178), ch. 290, p. 1347, � 1, effective July 1.
Colo. Rev. Stat. § 8-43-602 Legislative declaration
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The general assembly finds, determines, and declares that insurer performance programs are used in marketing, sales, and other efforts, and, as such, may impact an employer's selection of an authorized health-care provider. To protect patients, employers, and providers, and to av…
Colo. Rev. Stat. § 8-43-603 Definitions
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As used in this part 6, unless the context otherwise requires: (1) Insurer means an entity that provides workers' compensation insurance coverage required by article 44 of this title, including any third-party insurer or self-insured employer. (2) Methodology means the method by …
Colo. Rev. Stat. § 8-43-604 Performance programs
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(1) All performance programs shall include, at a minimum: (a) A quality of care component that is satisfied by using standard treatment guidelines promulgated by the director pursuant to section 8-42-101 or evidence-based administrative, operational, or clinical performance measu…
Colo. Rev. Stat. § 8-43-605 Due process
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(1) At least forty-five days before disclosing the results of a performance program, an insurer shall give a provider written notice of the availability of the provider's individual result, specific instructions on how the provider can access the result, and a description of the …
Colo. Rev. Stat. § 8-43-606 Enforcement
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(1) An insurer shall not limit, by contract or other means, the right of a provider to enforce this part 6. (2) This part 6 may be enforced through a hearing pursuant to section 8-43-207 or in a civil action, and any remedies at law and in equity are available. (3) A violation of…
Colo. Rev. Stat. § 8-43-607 Filing with director
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At least thirty days before implementing any new or amended performance program, an insurer shall file a detailed description of the performance program with the director. Source: L. 2010: Entire part added, (SB 10-178), ch. 290, p. 1350, � 1, effective July 1.
Colo. Rev. Stat. § 8-44-101 Insurance requirements
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(1) Any employer subject to the provisions of articles 40 to 47 of this title shall secure compensation for all employees in one or more of the following ways, which shall be deemed to be compliance with the insurance requirements of said articles: (a) By insuring and keeping ins…
Colo. Rev. Stat. § 8-44-102 Contract for insurance subject to workers' compensation act
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(1) Every contract for the insurance of compensation and benefits as provided in articles 40 to 47 of this title or against liability therefor is subject to articles 40 to 47 of this title, and all provisions in the contract for insurance inconsistent with those articles are void…
Colo. Rev. Stat. § 8-44-103 Insurers to file system of rating - approval
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Every insurance carrier authorized to transact business in this state that insures employers against liability for compensation under the provisions of articles 40 to 47 of this title shall file with the commissioner of insurance its classification of risks, any premiums relating…
Colo. Rev. Stat. § 8-44-104 Cutting rates - rebates - penalty
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Every insurance carrier that writes compensation insurance shall write insurance at the rates filed with the commissioner of insurance. The cutting of rates, rebating, or any other method whereby, directly or indirectly, any employer is given the benefit of or obtains a rate lowe…
Colo. Rev. Stat. § 8-44-105 Provisions of policies - primary liability - notice of injury
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Every contract insuring against liability for compensation or insurance policy evidencing the same shall contain a clause to the effect that the insurance carrier shall be directly and primarily liable to the employee and, in the event of death, to said employee's dependents to p…
Colo. Rev. Stat. § 8-44-106 Insurer violation - suspension or revocation of license
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If any insurance carrier intentionally, knowingly, or willfully violates any of the provisions of articles 40 to 47 of this title, the commissioner of insurance, on the request of the director, shall suspend or revoke the license or authority of such carrier to do a compensation …
Colo. Rev. Stat. § 8-44-107 Right of insurer to examine books of employer
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Any insurance carrier operating under the workers' compensation act may apply to the commissioner of insurance for permission to examine any of the books, payrolls, or other documents of any employer insured by such carrier or of any contractor, subcontractor, lessee, sublessee, …
Colo. Rev. Stat. § 8-44-108 Repayments for misclassifications
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(1) Every insurance carrier authorized to transact business in this state, including Pinnacol Assurance, which insures employers against liability for compensation under the provisions of articles 40 to 47 of this title, is authorized to charge and collect any amount of money tha…
Colo. Rev. Stat. § 8-44-109 Notice - change in rate by classification - policyholder’s right to appeal classifications - availability of medical case management services
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(1) Any insurance carrier authorized to transact business in this state, including Pinnacol Assurance, which insures employers against liability for compensation under the provisions of articles 40 to 47 of this title, shall supply information regarding a change in the rate by cl…
Colo. Rev. Stat. § 8-44-110 Notice of cancellation
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Every insurance carrier authorized to transact business in this state, including Pinnacol Assurance, which insures employers against liability for compensation under the provisions of articles 40 to 47 of this title, shall notify any employer insured by the carrier or Pinnacol As…
Colo. Rev. Stat. § 8-44-111 Workers' compensation insurance - deductibles - definition
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(1) (a) Any employer may agree, as a condition of any contract for the insurance of compensation and benefits as provided in articles 40 to 47 of this title or against liability therefor, to pay an amount not to exceed the split point approved by the commissioner of insurance per…
Colo. Rev. Stat. § 8-44-112 Surcharge on workers’ compensation insurance premiums - workers’ compensation cash fund - repeal
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(1) (a) Notwithstanding the provisions of sections 10-3-209 (1)(c) and 10-6-128 (3), C.R.S., for the purpose of offsetting the direct and indirect costs of the administration of the workers’ compensation system, every person, partnership, association, and corporation, whether org…
Colo. Rev. Stat. § 8-44-113 Data from insurance carriers and self-insured employers related to workers’ compensation - studies related to workers’ compensation system. (Repealed)
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C.R.S. 8-44-113Statutes current through Chapter 65 of the 2026 Regular Session, effective as of April 20, 2026. The text of this section is not final. It will not be final until compared to, and updated from, the text provided by the Colorado Office of Legislative Legal Services …
Colo. Rev. Stat. § 8-44-114 Determination of premium
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The amount of the premium to be paid by an employer for a contract of insurance of compensation and benefits as provided in articles 40 to 47 of this title or against liability therefor shall be on the basis of the annual expenditure of money by said employer for the services of …
Colo. Rev. Stat. § 8-44-115 Calculation of premium - motor vehicle accidents
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(1) The amount by which an employer's experience rating is modified, if at all, as the result of a motor vehicle accident in which an employee is injured or killed shall be reduced in accordance with this section if: (a) The employee is entitled to benefits under articles 40 to 4…
Colo. Rev. Stat. § 8-44-116 Reversionary interests in indemnity benefits prohibited
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No provision in a contract for insurance regulated by this article or any contract ancillary to such a contract, including specifically a contract setting up an annuity for indemnity benefits, shall establish a reversionary interest in the insurer for the indemnity benefits. Any …
Colo. Rev. Stat. § 8-44-201 Employer as own insurance carrier - revocation of permission
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(1) The executive director has the discretion to grant to any employer who has accepted the provisions of articles 40 to 47 of this title permission to be its own insurance carrier for the payment of the compensation and benefits provided by said articles. Such permission may be …
Colo. Rev. Stat. § 8-44-202 Workers' compensation self-insurance fund - created
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(1) The executive director shall establish and collect such fees as the executive director determines are necessary to administer this section, which fees shall not supplant funding for any other function of the department of labor and employment. The fees established pursuant to…
Colo. Rev. Stat. § 8-44-203 Department of human services - self-insurance program
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The general assembly hereby finds and declares that a program shall be established by the department of human services and the department of labor and employment to provide for a self-insurance program for the department of human services, which shall apply only to claims arising…
Colo. Rev. Stat. § 8-44-204 Public entities - self-insurance authorized for workers’ compensation - pooled insurance - definition
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(1) “Public entity”, as used in this section, means and includes any county, municipality, school district, and any other type of district or authority organized pursuant to law. (2) A public entity may, after receiving permission pursuant to section 8-44-101 (1)(c), act as its o…
Colo. Rev. Stat. § 8-44-205 Employers - self-insurance pools authorized for workers’ compensation - definition
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(1) “Employers”, as used in this section, means a bona fide trade or professional association or two or more employers which are engaged in the same or similar type of business or are members of the same bona fide trade or professional association. (2) Employers may cooperate wit…
Colo. Rev. Stat. § 8-44-206 Guaranty fund - immediate payment fund - legislative declaration
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(1) The general assembly hereby finds and declares that benefits awarded under articles 40 to 47 of this title to claimants employed by self-insurers may be unreasonably delayed or not paid at all if receipt of the proceeds of the bond required of the self-insurer is delayed or i…
Colo. Rev. Stat. § 8-45-101 Pinnacol Assurance - creation - powers and duties
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(1) There is hereby created Pinnacol Assurance, which shall be a political subdivision of the state and shall operate as a domestic mutual insurance company except as otherwise provided by law. Pinnacol Assurance shall not be an agency of state government, nor shall it be subject…
Colo. Rev. Stat. § 8-45-102 Pinnacol Assurance fund created - control of fund
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(1) There is hereby created in the state treasury a fund, to be known as the Pinnacol Assurance fund, for the benefit of injured and the dependents of killed employees, which shall be administered in accordance with the provisions of this article by the board. Such administration…
Colo. Rev. Stat. § 8-45-103 Board to fix rates - chief executive officer to administer rates - sue and be sued - personal liability limited
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(1) The board shall have full power and it is its duty to fix and determine the rates to be charged by Pinnacol Assurance for compensation insurance. (2) The chief executive officer shall manage and conduct all business and affairs in relation to the rates to be charged by Pinnac…
Colo. Rev. Stat. § 8-45-104 Blanks furnished by state. (Repealed)
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Source: L. 90: Entire article R&RE, p. 535, � 1, effective July 1. L. 2002: Entire section repealed, p. 1871, � 4, effective July 1. Editor's note: Prior to its repeal in 2002, this section was similar to former � 8-54-126 as it existed prior to 1990.
Colo. Rev. Stat. § 8-45-105 Places of employment classified - amount of premiums
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(1) The board may classify the places of employment of employers insured by Pinnacol Assurance into classes in accordance with the nature of the business in which they are engaged and the probable hazard or risk of injury to their employees. It shall determine the amount of the p…
Colo. Rev. Stat. § 8-45-106 Insurance at cost - board may impose surcharges
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(1) It is the duty of the board, in the exercise of the powers and discretion conferred upon it by articles 40 to 47 of this title, ultimately to fix and maintain, for each class of occupation, the lowest possible rates of premium consistent with the maintenance of a solvent Pinn…
Colo. Rev. Stat. § 8-45-107 Basis of rates - reserve - surplus
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(1) The rates shall be the percentage of the payroll of any employer that, on the average, shall produce a sufficient sum to: (a) Carry all claims to maturity such that the rates shall be based upon the reserve and not upon the assessment plan; (b) Produce a reasonable surplus as…
Colo. Rev. Stat. § 8-45-108 Intentional misrepresentation by employer. (Repealed)
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Source: L. 90: Entire article R&RE, p. 536, � 1, effective July 1. L. 94: Entire section repealed, p. 1719, � 15, effective July 1. Editor's note: Prior to its repeal in 1994, this section was similar to former � 8-54-125 as it existed prior to 1990.
Colo. Rev. Stat. § 8-45-109 Rate schedules posted. (Repealed)
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Source: L. 90: Entire article R&RE, p. 536, � 1, effective July 1. L. 2002: Entire section repealed, 1873, � 8, effective July 1. Editor's note: Prior to its repeal in 2002, this section was similar to former � 8-54-127 as it existed prior to 1990. 8-45-110. Board to keep account…
Colo. Rev. Stat. § 8-45-110 Board to keep accounts - readjustment by board of rates. (Repealed)
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C.R.S. 8-45-110Statutes current through Chapter 65 of the 2026 Regular Session, effective as of April 20, 2026. The text of this section is not final. It will not be final until compared to, and updated from, the text provided by the Colorado Office of Legislative Legal Services …
Colo. Rev. Stat. § 8-45-111 Portions of premiums paid carried to surplus
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The board shall set aside such proportion as it may deem necessary of the earned premiums paid into the Pinnacol Assurance fund, as a contribution to the surplus of the fund. Source: L. 90: Entire article R&RE, p. 537, � 1, effective July 1. L. 97: Entire section amended, p. 936,…
Colo. Rev. Stat. § 8-45-112 Amendment of rates - distribution to policyholders
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The board may amend at any time the rates for any class. No contract of insurance between Pinnacol Assurance and any employer shall be in effect until a policy or binder has been actually issued by the board and the premium therefor paid as and when required by this article. Not …