Workers’ Compensation

When your employees are injured on the job, trust MSIG USA for coverage that provides the support they need while protecting your business.

Even with the best safety programs in place, your employees could be injured in the workplace. The right workers’ compensation insurance is essential to ensure they receive the medical care and support they need, and to protect your business from financial loss and costly litigation.

MSIG USA offers workers’ compensation insurance solutions in all 50 states and the District of Columbia for organizations across a wide range of industries, including:

Light and heavy manufacturing
Trading companies
Real estate
Technology
Distributors
Retail
Food and beverage processing

Learn how we achieve successful outcomes for workers’ compensation claims¹>

Our experience makes all the difference

MSIG USA combines comprehensive insurance solutions with localized care and attentive service to help provide you and your employees with the protection and support you need.

Our underwriters and risk engineers draw on many decades of experience to understand the nuances of your business and develop a workers’ compensation program that reduces your risk while protecting your most vital assets. We help you obtain the right coverage to protect your organization against the high costs and disruption of a lawsuit, a work-related incident, or other forms of financial loss following an employee injury.

MSIG USA takes a customized approach to providing workers’ compensation insurance, offering solutions such as:

Loss sensitive plans that help you measure and manage your exposure to a workers’ compensation claim
High-deductible plans that share the risk with our insureds
Return-to-work solutions and other industry-specific programs that get your employees productive sooner

Our Risk Engineering group offers a wide range of services that can help you prevent workers’ compensation claims, including industrial hygiene services, on-site risk assessments, ergonomic assessments, and safety training. To reduce the impact of employee injuries, our workers’ compensation claims specialists can help you locate physicians in the medical provider network, fast-track medical-only claims, provide litigation management services, and much more.

Learn how our Risk Engineering services help prevent losses

Workers’ Compensation Documents

To further assist you, MSIG provides helpful workers’ compensation documents for your business. You can find these documents and others in our Workers’ Compensation Posting Notices.

Download our Workers’ Compensation product overview for more details.>

California Medical Provider Network (CA MPN) – CorVel Corporation

For California, to find a medical provider near you through the Corvel website, visit this page or download their app for remote access.

Alternatively enter your email address here for access and to create a formal panel of physicians. (Please note an instant automatic reply will be sent to your email address with the login information).

The new CA MPN has been approved by the California Department of Industrial Relations to treat workers injured on the job. Experience has shown that medical outcomes for injured workers can be improved when employees are given a choice of provider(s) in an approved medical provider network.

The CA MPN offers a wide range of benefits, including:

Earlier return to work – state documented
Lower medical costs – state documented
Reduced litigation through internal dispute resolution process
Access to care within 24 hours
Limited provider change once enrolled in program
Limited initial provider selection. Employee risks suspension of compensation benefits if treatment is received from a non-network physician
No ceiling on control of care, as long as specialty is certified
Network discounts
Utilization review is mandated

NOTE: MSIG USA urges all policyholders to participate in our MPN. Utilization of this program provides an excellent opportunity to control workers’ compensation costs, while simultaneously providing quality medical care to your injured workers

How to Get Started Utilizing the MPN

POST at each work site:

MPN provider panel
DWC-7, which includes MPN-specific information
Pre-designation of personal physician form

How to Transfer From One MPN to Another MPN

CA MPN End of Coverage and Implementation Notice must be distributed:

To all injured workers when changing from an existing MPN to another MPN within 60 days.
To all employees when changing from an existing MPN to another MPN if more than 60 days have lapsed since ceasing use of a prior MPN.

POST at each work site:

MPN provider panel
DWC-7, which includes MPN-specific information
Pre-designation of personal physician form

MSIG USA will provide the Complete Employee Information notice (0056 Mitsui Sumitomo Ins of America or 2039 Mitsui Sumitomo Ins USA) to the employee once the injury has been reported to MSIG USA. This will serve to educate the employee regarding the MPN and advise the employee how to access the MPN network.

CorVel Corporation may be contacted via:

MPNaccess_Hotline@CorVel.com

The MSIG USA Claims Office in Los Angeles, CA, can assist you with any questions. Please contact one of our representatives at (800) 365-4671. Press 3 to reach the Workers’ Compensation Claim Department.

Please click on the links to the following forms that are available for your use:

Standard Claims and MPN Materials:

MPN Information Packet: Corvel Information Packet
Report a Claim: Workers’ Compensation Claim Form (DWC 1) & Notice of Potential Eligibility
Telehealth Reference Documents: Virtual Health Care Visits
Post at Workplace: Notice to Employees – Injuries Caused by Work (DWC 7): 0056 2039
Provide at Time of Injury: Complete Employee Information Notice – 0056 MSIG USA – 05: (English & Spanish versions)
Provide at Time of Injury: Complete Employee Information Notice – 2039 MSIG USA – 06: (English & Spanish versions)
Make Available as Requested: Pre-designation of Personal Physician (English & Spanish versions)

Optional Kaiser MPN Documents

Report a Claim: Workers’ Compensation Claim Form (DWC 1) & Notice of Potential Eligibility
Post at Workplace: Notice to Employees—Injuries Caused by Work (DWC 7): 2389 2390
Provide at Time of Injury: Complete Employee Information Notice — 2389 Mitsui Sumitomo Ins of America — 05: (English & Spanish versions)
Provide at Time of Injury: Complete Employee Information Notice — 2390 Mitsui Sumitomo Ins USA — 06: (English & Spanish versions)
Make Available as Requested: Pre-designation of Personal Physician (English & Spanish versions)

Illinois Preferred Provider Program (PPP) and Employee Information

Dear Policyholder:

Under the Illinois workers’ compensation system, employers can create Preferred Provider Programs (PPP) for workers’ compensation. MSIG USA is offering the availability of a PPP for our policyholders. To assist you in complying with the new regulations, we are providing the PPP Employee Notification Packet.

If enrolling in the PPP, it is mandatory for the employee to receive a complete copy of the PPP Employee Notification Packet at the time the injury is reported. This packet contains the following:
- Sample Employee Notification Letter — mandatory to distribute at the time the injury is reported
- Sample Employee Acknowledgment Signature Form (recommended)
- Sample Opt Out Log
- Spanish Sample Employee Notification Letter

Find an Illinois PPP Provider

Opt-Out Tracking

If an employee does not want to use the PPP, he or she must notify the employer in writing. Employer/policy holder should keep an active log of opt-out notices received. Please notify MSIG USA if the injured worker has opted out. This is very important to the claims handling process to ensure appropriate care is provided.

At MSIG USA, we believe that timely, early reporting of a claim is the best approach to containing your workers’ compensation costs and assuring your employees receive appropriate medical care. Participation in the PPP will help support medical cost containment and facilitate prompt return to work. If you are interested in participating, please notify MSIG USA.

PPP Program Goals and Objectives:

To ensure that the injured worker receives quality, cost-effective medical care
To ensure that medical care is geared toward expedient recovery
To ensure appropriate steps are taken regarding hospitalization
To ensure an appropriate discharge plan
To channel injured employees to the PPP providers and physicians
To return the employee back to work as quickly as medically feasible

The PPP Helps Injured Workers:

Receive quality, cost-effective medical care
Expedite their recovery
Receive the appropriate hospitalization care
Ensures an appropriate discharge plan
Receive access to the network providers
Ensure a timely return to work

Employer Advantages:

Manage cost and improve care
Reduce medical payout
Provide lifetime medical control of the claim
Ensure timely recovery and return-to-work outcomes
Ensure shorter TTD durations (Temporary Total Disability)
Provide assistance with implementation

New York Workers’ Compensation

Important Announcement — to Our New York State Workers’ Compensation Policy Holders:

The New York State Workers’ Compensation Board Rule 300.37 mandates that a New York employer provide a “Claimant Information Packet” to an injured worker at the time of the injury.

To assist you in complying with this mandatory regulation, you can download the Claimant Information Packet, here.

This requirement applies only to New York State workers’ compensation claims.

Corvel also provides a notice to policy holders: Corvel Notice to Policy Holders

If you have any questions, please contact:

Email: CustomerService@MSIG-NA.com

Texas Health Care Network (HCN)

Texas House Bill 7 was signed into law on June 1, 2005. This law allowed for the implementation of health care networks on or after January 2006.

Since partnering with CorVel Corporation, the CorVel Texas Health Care Network (HCN) has been available to MSIG USA customers. The CorVel HCN offers widespread coverage in the densely populated areas of Texas.

To begin the enrollment process and request assistance, contact our customer service number at (866) 676-6272. To learn more about HCN or for further assistance in the enrollment process, please refer to the following links:

2014-01 Texas CorCare Network Requirements (Separate Acknowledgement forms available as well)

Network Requirements (English/Spanish)
Acknowledgement Form (English/Spanish)