MSA Self Administration

Steps to WCMSA self-administration:

1) Set up a bank account (easy peasy)

2) Go to the doctor’s office. Tell them you’ll be paying with your MSA monies & not to bill Medicare.  Get treatment for your WC injury making sure the MSA account is used to pay for only Medicare allowable services. (not so easy peasy)

3) Review your bill and keep detailed records of the service, transaction, check numbers, etc.

4) Send your yearly attestation letter to Medicare (CMS) outlining your expenditures for Medical & Rx costs; any interest earned & the balance of the WCMSA.

There’s a high likelihood that the injured worker may fail at this. Maybe professional administration is worth the cost!  It’s better to have all issues addressed than having them boomerang around back along with further litigation.

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Annual MSA Attestation

Every year, the administrator (injured worker, professional administrator) must sign and send a statement (attestation) that payments from the Medicare Set Aside account were made for Medicare-covered medical expenses related to the work-related injury. This annual attestation must be submitted no later than 30 days after the end of each year, beginning one year from the establishment of the MSA account. Annual self-attestation should continue until the MSA account is depleted permanently & finalized with CMS. Medicare, will at that point, become the primary payer. hashtagmedicare hashtagriskmanager hashtagworkerscomp hashtagclaimsmanagement hashtagworkerscompensation hashtagmedicareadvantage hashtagclaims hashtagriskmanagment hashtaghumanresources hashtagbmawestmsa hashtagwcemployerschool hashtagparma hashtagbmawest

Front Line Claims & Risk Services

We’re happy to introduce our Front Line Claims & Risk Services to small and medium businesses! These services will make available expertise which was customarily affordable to only large businesses! Now, small to medium sized businesses can count on the same expert coaching and expertise in both English and Spanish! We expect this service module to do well in Southern California!

BMA West Front Line Claim Services 2019

Call us at (949) 830-2027 or email to

If I was waiting to feel proactive, I’d still be waiting!

Sometimes, in the world of corporate, big box insurance companies, way way up at the top of the food chain, an inkling of a message has been realized by a big wig somewhere in the organization.  That message is “I think our clients may not be satisfied with our performance.”   “Hmm. Oh well” , he says, we did meet our numbers last year.”  He moves on to the next task on his list of priorities.  That’s the way things work when employers hire big box companies to work on their behalf.  They hire the name, not necessarily the answer to their needs.  Not that there is anything wrong with big box vendors.  However, these companies are usually better equipped to handle the needs of other big box corporations with equally deep pockets.

Smaller employers and public agencies need to rely a bit more on their own homegrown talent and a proactive approach to the execution of their service.  If it’s claims, pro activity begins on the front lines with supervisors and their charges.  The expertise of human resources can help to devise training sessions and protocols to help employers handle claims issues such as workers comp.  If left at the direction of insurance companies, employers may well be mired in an ongoing  injury or incident cycle as they await dedicated attention from a big box vendor.  So step up, whether you’re ready or not and take the bull by the horns!


Three takeaways from WC Employer’s School!

If you’re smart enough to find yourself at next month’s Workers Compensation Employer’s School on January 24, 2019 you’ll come to realize that in order to come out on top in this changing workers comp arena, you, and employers like you, will need to take an assertive stance to break free of the big box, bundled insurance programs in order to devise a flexible, collaborative risk and insurance program that will prevent injuries on one end and limit long term claim losses on the other.  With this in mind, here are the major takeaways from Workers Comp Employer’s school:

  1. Injuries can be prevented by proactively preventing them!

What?! Yup. A proactive on-site therapeutic preventative program can communicate an appreciative message to employees, which goes a long way in deterring claim litigation when injuries to occur.  This type of program also  makes for a healthy workforce!

2. Devising your own team of cost containment experts can save you thousands of dollars!

Breaking free of your bundled program, doesn’t mean you need to leave your carrier or third-party administrator.  It simply means choosing your own panel of experts that will allow you to save money on claims, where it matters, rather focusing on price savings on the front-end.

3. Creating a proactive claims management program will save $millions!

The traditional claims model depends on a lengthy claims process in order to make money for interested parties.  But handling claims and settling claims in an expeditious manner; reducing the future medical claim inventory and eliminating legacy claims are known to save an employer millions of dollars in the long term!

So Save the date! January 24, 2019 in Los Angeles, CA!  Sign up here!


Workers Comp Employer’s School!

Today’s California workers compensation business environment is being increasingly squeezed as large equity owned firms and the existing third-party administrators seek to monopolize the business of managing risk and claims.  Our purpose has always been to coach and consult employers to improved risk and claims related results, leaving them in a better condition than we found them.  However, rising costs, increased litigation, poor claim management and the involvement of Medicare in the resolution of claims has given rise to the concept of workers comp advocacy.

Our Workers Comp Employers School™ is not only an orientation to on-site risk management and claims strategy for employers, but also an introduction to a transformation from the existing claims model to one of advocacy.  We believe that a successful transformation requires the involvement by certain key expert service providers.  A successful launch of our Workers Comp Employers School™ will enable firms like yours to grow alongside employers who will be implementing a work comp advocacy philosophy in their work sites.  We strongly believe that our series of seminars will prove to be a very worthwhile and profitable investment in the future and in the development of close relationships with the employers who will attend.

WC Employer’s School is a unique workshop/seminar that seeks to educate and empower human resource professionals, risk managers, work comp claim coordinators, business owners and claims administrators in the practice of proactive workers comp claims planning and administration.  Over the course of five hours, attendees are led through the basics of risk and insurance, the claims model and how it works, mastery of their workers compensation program, choosing the right team, the right experts and the right claims administrators. Highlights of the workshop include the “6 Step Future Medical Clam Resolution Process”; “How to Settle Legacy Claims” and “Where Are the Holes in Your Workers Comp Boat”.  The end product is an action plan for the attendee to pursue and introductions to a limited number of workers comp experts that may help them change their workers comp experience.

Sign up today to attend or sponsor this unique workshop!  You will easily see a return on investment!  Click on this link!

Questions? Call (949) 830-2027 or write.