Coverage

MCSIG provides statutory limits of protection for Workers' Compensation coverage and $1 million Employer Liability coverage.

Workers' compensation coverage responds to workplace injuries to employees.  Compensation is governed by statute and includes a percentage of lost wages, medical expenses and disability.

The Workers’ Compensation Law, detailed in Massachusetts General Laws, Chapter 152, requires payment to the employee for an injury if the injury arises out of and in the course and scope of the person’s employment.  The employee does not need to show negligence on the part of his employer in order to qualify.

The member parish or institution has no deductible in these claims.

Workers’ compensation compensates the employee 60% of gross wages while he or she is unable to work.  Compensation begins after a five-day waiting period.  The coverage also pays necessary and reasonable medical expenses related to the injury.

In the event of an injury, whether the employee will lose time from work or not, it is imperative that the incident be reported as soon as possible.  The law mandates deadlines within which to deny or accept claims.  Claims which are reported late may result in fines from the Department of Industrial Accidents which would be levied against the parish.

For information on reporting a claim, click here.