Workers’ Comp

Our Workers’ Compensation coverage is provided by the Massachusetts Catholic Self-Insurance Group, Inc., or MCSIG. As a member of the MCSIG, the Archdiocese and its parishes are provided with Workers’ Compensation coverage as required by the Commonwealth of Massachusetts. This coverage responds when an employee suffers an injury or illness while in the course and scope of employment. This coverage is defined and regulated by the Commonwealth and covers related medical expenses and compensates the employee for a portion of lost wages.

This coverage provides indemnification for these claims, as well as support and legal representation for the parish in any and all legal proceedings and Department of Industrial Accident hearings. Oversight and supervision of the claims administrator is the responsibility of the Office of Risk Management Claims Manager.

The rates are established through an annual actuarial rate analysis performed by an outside actuary and approved by the Commonwealth of Massachusetts Division of Insurance. A rate is established for each payroll classification, or job type, based on the risks and injury frequency for each. The premium is based on year end payroll gathered annually from each parish.

The MCSIG is regulated by the Commonwealth of Massachusetts Division of Insurance and governed by a Board of Directors.

Workers’ Compensation claims are reported to, and administered by, A.I.M. Mutual, our claims administrator. A.I.M. accepts first report claim notices twenty four hours a day. For information on reporting a workers’ comp claim to A.I.M., please visit www.masscatholic.org.

Coverage

Workers’ Compensation Law, as detailed in Massachusetts General Laws, Chapter 152, guarantees payment to the employee for an injury if the injury arises out of and in the course of the person’s employment. The employee does not need to show negligence on the part of his employer in order to qualify. As a result, the employer is immune from liability claims by employees.

The parish has no deductible on these claims.

Workers’ Compensation compensates the employee 60% of gross wages while he/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 in 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.

Claims

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 in 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.

In the event of an injured employee, the following steps are necessary:

See that medical assistance is provided immediately.
Obtain details of the accident.
Identify any witnesses.
Obtain photographs of the accident site, if possible.
Identify any third-party involvement, i.e., equipment malfunction or damages caused by an outside entity.

A.I.M. Mutual, our claims administrator, accepts first report claim notices twenty four hours a day through three methods: telephone, internet and fax. Internet is the most efficient method. Please go to: https://www.aimmutual.com/policyholders/report-an-injury/

Report the claim to A.I.M. immediately:

Telephone number: 866-270-3357

Fax number: 781-270-5599

The field for “policy number” on the claims form is optional; however, in case you need to know, effective March 31, 2023, the policy number is: 3000001012023.