An Introduction

The School Alliance Insurance Fund (SAIF) is available to primarily serve school districts in Sussex, Hunterdon, Warren, Mercer, Somerset, Morris and Passaic counties. The SAIF Health Insurance Fund is a subgroup of the Southern New Jersey Regional Employee Benefits Fund and plans to become independent once it achieves a critical mass of membership. SAIF utilizes contracts with Aetna (medical), AmeriHealth (medical) Express Scripts (pharmacy), and Delta Dental of New Jersey (dental).

Like all PERMA/PEGAS Health JIFs, each public entity appoints a Fund Commissioner to represent them. These individuals can have as little or as much involvement in shaping the Fund's overall direction as they choose. Depending on their needs, The Executive Director and Program Manager can manage every aspect of the Fund, from day-to-day functionality to vendor selection to long-range forecasting. 

Our Wisdom, Your Advantage

The SAIF Health Insurance Fund, like all PERMA/PEGAS Health JIFs, has a proven track-record of fiscal responsibility. The reason is the decision-making process combines our decades of public entity expertise with your needs. Together, the result is a Fund that delivers year-after-year.

How The Fund Is Managed

Fund Executive Committee - Fund Commissioners
Executive Director - PERMA/PEGAS
Program Manager - Local Broker
Professional Services - Attorney & Actuary

By The Numbers

1992 - Established | 61 - Public Entities In Fund | 32- School Districts In Fund | 7.66 Percent - Average Premium Increase Over Past 16 Years | 18 Years - Consecutive Years Without A Deficit | $15,059,412 Fund Surplus | $403,614 8-Year Average Dividend Payment

For More Information

Chuck Hartsoe
PEGAS Administrative Services
1-908-537-2081
chuck.hartsoe@earthlink.net


Joseph DiBella
PERMA Risk Managment Services
1-856-552-4618
jdibella@permainc.com