Frequently Asked QuestionsHere you'll find answers to common questions regarding MEGA membership.
Who is eligible to purchase coverage from MEGA?
Public Entities in the Commonwealth of Massachusetts who meet the group’s underwriting criteria, are approved by the Board of Directors, and are approved by the excess carrier are eligible.
How are rates determined?
MEGA uses the workers’ compensation rates set by the Workers’ Compensation Rating Inspection Bureau (WCRIB).
Will I lose my experience mod if I join MEGA?
No. MEGA is affiliated with the WCRIB and your payroll and claim information will continue to be reported to them for calculation of your experience modification factor. This experience mod will then be used in the calculation of your premium.
How do premiums compare to other commercial insurance companies?
MEGA offers competitive rates for its members. The program is designed to benefit the members of MEGA, which has lower overhead than commercial carriers. Because of the outstanding experience of the membership, the program receives a very competitive rate on reinsurance.
Is there an additional fee for the Professional Loss Control Services?
No, all loss control services are provided to MEGA members at no additional cost.
What is the premium payment schedule for MEGA?
Members of MEGA have two options available to them. They are able to pay in one installment or four equal installments.
Who controls the MEGA Program?
MEGA is a member-owned, self-insured group governed by a Board of Directors represented by member entities.
Has reinsurance been purchased by MEGA?
Yes. Excess loss reinsurance has been purchased by the program to protect against catastrophic losses. Safety National is our reinsurance carrier and is rated by A.M. Best as an A+ Company.
Who is on the Board of Directors for the program?
The Board of Directors are executives of member entities who participate in the MEGA program.
Is more information available?
Yes, please use the contact form at the right or call our State Director, Arthur A. Kiriakos, at 781.683.1158.