Michigan Commercial Insurance Mutual (MCIM) is a premier provider of workers' compensation insurance, offering coverage to virtually all industry groups in Florida, Georgia, Illinois, Indiana, and Michigan. For over thirty years, we have been committed to serving our policyholders through a distinguished group of independent agents.
A small company with a big heart, MCIM was originally conceived by a group of business owners as a self-insured fund to bring down the costs of workers' comp for businesses in the building industry.Driven by a real concern for our family of policyholders, we evolved into an innovative insurer that took the bold approach of placing employee safety as our highest priority.
This objective led to the development of comprehensive libraries of safety resources and on-site safety assessments that continue to be available to our policyholders today. MCIM's approach benefits employees and employers both- by helping to reduce job-site injuries thereby keeping comp rates low, and by keeping good employees on the job and minimizing production disruptions.
A small company with a big heart, MCIM was originally conceived by a group of business owners as a self-insured fund to bring down the costs of workers' comp for businesses in the building industry.Driven by a real concern for our family of policyholders, we evolved into an innovative insurer that took the bold approach of placing employee safety as our highest priority.
This objective led to the development of comprehensive libraries of safety resources and on-site safety assessments that continue to be available to our policyholders today. MCIM's approach benefits employees and employers both- by helping to reduce job-site injuries thereby keeping comp rates low, and by keeping good employees on the job and minimizing production disruptions.
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We are Michigan Commercial Insurance Mutual (MCIM), one of the most respected workers' compensation insurance providers.
For over thirty years, we have been dedicated to providing coverage for our policyholders through a distinguished group of independent agents.
Originally founded as a self-insurance group fund for builders and related trades, MCIM today provides an expanding range of programs and services to virtually all industry groups as a mutual insurance company.
In fact, MCIM was the first self-insured group fund in Michigan to successfully convert to a mutual insurance company.
For over thirty years, we have been dedicated to providing coverage for our policyholders through a distinguished group of independent agents.
Originally founded as a self-insurance group fund for builders and related trades, MCIM today provides an expanding range of programs and services to virtually all industry groups as a mutual insurance company.
In fact, MCIM was the first self-insured group fund in Michigan to successfully convert to a mutual insurance company.
Effective claim management begins before an injury occurs.
We encourage our policyholders to build a relationship with a clinic or doctor to treat their injured employees.
Be sure your staff knows they are to seek initial medical care at this facility (in the case of a life-threatening injury, the employee should be transported to the emergency room).
Once an injury has occurred, report it to MCIM within 24 hours or as soon as possible after you have been notified.
Do not wait for medical bills to arrive, or until an employee asks you to submit a claim.
We encourage our policyholders to build a relationship with a clinic or doctor to treat their injured employees.
Be sure your staff knows they are to seek initial medical care at this facility (in the case of a life-threatening injury, the employee should be transported to the emergency room).
Once an injury has occurred, report it to MCIM within 24 hours or as soon as possible after you have been notified.
Do not wait for medical bills to arrive, or until an employee asks you to submit a claim.
MCIM's Claims Department provides several easy and convenient methods to report workers' compensation injuries, as well as responsive follow-up and monitoring.
Once we receive a claim, either by phone, fax or online, be assured it will be promptly reviewed by our claims staff.
With workers' comp, quick response is critical for effective and efficient management.
Our examiners stay involved in each case, monitoring medical treatment in addition to keeping the policyholder and injured worker fully informed.
Once we receive a claim, either by phone, fax or online, be assured it will be promptly reviewed by our claims staff.
With workers' comp, quick response is critical for effective and efficient management.
Our examiners stay involved in each case, monitoring medical treatment in addition to keeping the policyholder and injured worker fully informed.
While accident prevention is the best way to reduce overall injury costs, an effective Return-to-Work (RTW) program is the best way to manage costs after an injury has occurred.
A successful RTW program benefits employers and employees by returning an injured worker to the workplace when medically able to do so.
RTW programs assist in reducing lost productivity, the cost of hiring and training a new employee as well as increased insurance premiums.
Good employees are getting harder to find and this program keeps injured workers involved in the day-to-day workplace activities, reduces their isolation, and improves employee morale.
A successful RTW program benefits employers and employees by returning an injured worker to the workplace when medically able to do so.
RTW programs assist in reducing lost productivity, the cost of hiring and training a new employee as well as increased insurance premiums.
Good employees are getting harder to find and this program keeps injured workers involved in the day-to-day workplace activities, reduces their isolation, and improves employee morale.
When a serious injury occurs, medical treatment should be sought immediately, and MCIM should be notified on that same day so we can begin the claims process.
A less urgent claim should be referred to the employers designated physician or clinic for treatment, and MCIM should be notified at that time - always within 24 hours.
Some jurisdictions allow an employer to direct medical treatment for an injured employee.
Prompt reporting allows MCIM to assist the employer in directing the employee to a preferred provider organization (PPO) physician or clinic.
A less urgent claim should be referred to the employers designated physician or clinic for treatment, and MCIM should be notified at that time - always within 24 hours.
Some jurisdictions allow an employer to direct medical treatment for an injured employee.
Prompt reporting allows MCIM to assist the employer in directing the employee to a preferred provider organization (PPO) physician or clinic.
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