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Services

Benefits of Membership

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n addition to offering workers’ compensation coverage, MEGA supports its members by offering no-cost access to the Employee Assistance Program (EAP) and a variety of Loss Control Programs. It’s a total package that starts with prevention and takes care of our members completely and totally when the need arises.

Workers’ Compensation Coverage with first-dollar coverage for all losses and rate deviations, members get up-front and ongoing savings.

Workers' Compensation

From group management to individual members, we help you see the big picture.

Loss Control

Best practices, seasonal bulletins, and risk assessments—MEGA is your partner in safety.

Employee Assistance

If you need a hand, MEGA membership matters.

MEGA offers workers compensation insurance to public entities in the Commonwealth of Massachusetts. Our program provides first-dollar coverage for all losses. Premium calculation is based upon the current rates issued by the WCRIB, the member’s individual experience modification factor and MEGA’s rate deviation. Rate deviations are offered at policy inception and represent significant up-front savings to members. MEGA does not participate in the Department of Industrial Accidents assessment program, so no DIA assessment is charged to group members. MEGA conducts an annual payroll audit at the close of the fund year to reconcile estimated payroll and corresponding premium to actual year-end numbers.

MEGA also maintains a dividend program to reward members for positive experience after the close of a fund year. In the past ten years, MEGA has returned approximately $5 million to members under this program. State regulation precludes a dividend distribution until 24 months after the close of a fund year, so members must wait this period before receiving a potential dividend. The board of directors determines the dividend distribution annually.

When claims are incurred, the member need only report the loss to MEGA via facsimile or via our Internet claim reporting system. Thereafter, MEGA assumes responsibility for adjudicating the claim and paying all related benefits. The member employer representative is afforded input into the decision and strategy process.

The Department of Industrial Accidents website contains, among other items, an Employer Handbook for additional reference regarding who must have workers compensation insurance and how to file claim-related information.

MEGA is dedicated to helping you provide your employees with a safe work environment.

The Safety Program at MEGA provides our members with extensive resources, training, and consulting to ensure that your organization is well prepared to avoid the kinds of incidents that lead to losses.

And this is all free to our members.

Our Loss Control Consultants are available for safety program development, loss analysis, training, and other needs you may have. For each member, we work closely with you to develop a plan and action steps to meet your particular needs.

Everyone benefits when losses are prevented, and through its Loss Control Program, MEGA goes the extra mile to ensure that its members know how to protect themselves, their employees and their organizations.

MEGA offers all its members access to an employee assistance program (EAP) through ESI, the group’s contracted partner. We offer this program at no cost to members, and all full time employees are eligible, provided the employer has subscribed. The ESI website provides general information about the company, service capability, and descriptions of programs offered. Employees of MEGA members should consult with their respective human resource representative for more details on the program.

As an added benefit to our members, all police and fire personnel are also provided access to the employee assistance program at no additional cost. Although these employees are not covered under MEGA’s workers’ compensation policy, members are encouraged to have them participate in the wide variety of services offered by ESI.

If you would like additional information on these successful programs, please contact our Executive Director, Paul Pitman, >here.