Take control of your workers' compensation costs!

Looking for superior service, greater claims control and pricing? Consider the Michigan Assisted Living Self-Funded Workers' Compensation Program (MAL W.C. Fund). Our group program was established to provide outstanding coverage and services along with the opportunity for generous dividend returns. The average is 30% per year.

Rising workers' compensation premiums inspired a group of providers to band together and form a self-governing, self-insured workers' compensation fund as an alternative to purchasing traditional insurance. Since its inception in 2003, our group has grown to more than 120 member companies, representing in excess of $2,800,000 in estimated premiums, with an average experience modification of just 0.75.

Here's how we do it...

The MAL W.C. Fund utilizes specialized underwriting requirements which enable us to enroll only providers that are actively managing their loss control and safety programs to reduce claim costs.

We feel that a strong safety education and claims management commitment at the corporate level equates to low claims exposure for the entire fund. This allows us the opportunity to potentially make larger returns of surplus premiums.