MY ACCOUNT REPORT AN INJURY INJURED WORKERS FIND AN AGENT CAREERS CONTACT SEARCH Coverage Claims Programs Resources Blog About Resources | FAQs Manage your work comp policy with confidence. Resource Library The WorkSAFE Podcast FAQs Policyholder Training For Agents For Injured Workers Click on a topic to see the list of frequently asked questions. If you have additional questions please contact us or call 1.800.442.0593. Work Comp Basics Payment Plans Claims Pay Portal for Worker Benefits Classification and Payroll Reporting Reporting and Managing Claims Medical Care Return to Work Fraud Audits Safety Grants Safety Dividends Work Comp Basics Do I need workers compensation insurance? How do I obtain workers compensation insurance? How are premiums calculated? What is an e-mod? What is a loss ratio? What is remuneration? What can I do to bring down the cost of workers compensation insurance? What is a certificate of insurance? If an injury occurs at work, is it automatically covered by workers compensation? Are occupational diseases covered by workers compensation? Which posters and materials do I have to display in my workplace? Payment Plans How can I make payments? Why do I have to pay collateral with some plans? Can I pay my bills electronically, or set up autopay? Are workers compensation benefits considered taxable income? What should my employee do if there are changes to their address, phone number or other claim-related changes while they’re receiving benefits? How long does temporary total disability (TTD) continue? How is an employee's average weekly wage calculated? How often is prescription eligibility reviewed? Is it true that employees can get a settlement from an injury, even if they are back at work? Can I pay an employee’s salary to avoid having my policy cover temporary total disability (TTD)? What happens to an employee’s temporary total disability (TTD) if their employment is terminated? Claims Pay Portal for Worker Benefits How do I access the payment portal? What options do I have to receive benefit payment? Is the payment portal secure? Why am I having trouble logging in? How will I know that I have completed the process? How long do I have to complete the payment method selection? The name or address that is displayed in the payment portal is not correct. Can I change my payment method? How long will it take to receive my payment? I have not received my payment. Can I access the Claims Pay portal from my phone? Is there a limit to the amount I can be paid by each method? Classification and Payroll Reporting How is payroll calculated for owners and officers? My subcontractor is a sole proprietor, and has elected not to be insured for workers compensation coverage. Why am I being charged for their exposures? How should I report overtime payroll? If overtime is not summarized, can I still deduct it from my gross payroll? If employees do more than one type of work, can I assign their payrolls to separate classifications? Can payroll be divided if my employees spend part of their time doing clerical work? I am working on establishing payroll and exposure classifications. What does NOC mean? Reporting and Managing Claims How do I report an injury? What information do I need to report an injury? How quickly do workers compensation claims have to be reported? Do minor injuries have to be reported? Can I pay my employee’s medical bills instead of filing a claim? How will a claim affect my e-mod factor and premium? Who is my employee’s claims representative? What is my employee’s claim number? How will my claims representative help with my claim? How will claim-related medical bills be paid? What should I do if I or my employee receives a medical bill? Will I or my employee be responsible for any outstanding medical balances? What should an employee do if they receive a collection notice from the provider? Medical Care Where should injured employees go for medical treatment? What information should an injured worker bring to their medical appointment? Should my employee contact the claims representative after a medical appointment? My employee was assigned a nurse case manager. What role will this person play in the claims process? How do employees get a prescription filled that is related to their injury? Return to Work What are modified or transitional duties? What are the benefits of transitional duty? Should I keep in touch with injured employees while they are off work due to workplace injuries? What should injured employees do once their doctor releases them to return to work? Fraud What are workers compensation abuse and fraud? How can I prevent fraud and abuse? How should I report suspected workers compensation fraud? Should I do surveillance on an injured employee if I suspect fraud? How do I check the criminal record history on a prospective or current employee? Can I terminate an injured employee for suspected workers compensation fraud or abuse before a full investigation takes place? How do I verify my subcontractor’s certificate of insurance (COI)? What should I do if I suspect a fraudulent certificate of insurance? Audits Why do you conduct premium audits? How does a workers compensation premium audit work? What records are needed for an audit? If I don’t have certificates of insurance by the time of a scheduled audit, will I be given time to obtain them? When will I receive the results of the premium audit? Safety Grants What can I purchase with safety grant money? What are one-to-one matching funds? How do I qualify for a safety grant? When can I apply for a safety grant? What information do I need to apply? Is an MEM Safety Grant taxable? How are safety grant winners selected? What happens after I've been approved? What is expected of me after I receive an MEM Safety Grant? Who can I contact if I need help with my application? Safety Dividends Why is MEM ending the Safety Dividend program? How will the program retirement impact policyholders and when? How is my safety dividend amount determined? What is a safety self-assessment? What are safety points? When will I receive my safety dividend check? When did the program end? What will happen if I do not comply with recommendations made by my Safety and Risk Consultant? What will happen if I don't continue with a safety program? Are the Safety Dividend program elements effective in controlling losses and minimizing risk? How will MEM continue to incentivize safety? Have additional questions? Contact us today. Coverage Work Comp Basics Multistate Coverage Payment Plans Audits Claims Medical Outcomes Fraud Prevention Return to Work File a Claim Virtual Claims Kit Programs Safety Dividends Safety Grants NurseAid Endorsed Safety Solutions Drug and Alcohol Testing Post Offer Employment Testing Resources Resource Library The WorkSAFE Podcast FAQs Policyholder Training For Agents For Injured Workers Blog About Why MEM? Financial Strength People and Culture Community Impact Leadership Careers Career Opportunities Benefits © 2021 MEM Terms and Conditions Privacy Policy Questions? Call toll free: 1.800.442.0593