State law requires all employers to provide workers' compensation insurance. To assist you in meeting this requirement, Blue Cross and Employers Compensation Insurance Company have joined forces to offer Small Group health and workers' compensation insurance in one convenient, affordable program.

Integrated MediComp provides employers of 2-50 employees a comprehensive 24-hour health care package that continuously covers members, whether on or off the job. Integrated MediComp includes:

• An extensive network of providers
  
  
• Non-occupational illness or injury coverage

Workers' Compensation coverage underwritten by Employers Compensation Insurance Company for industrial injuries or accidents

• Medical benefits
  
  
• Temporary disability benefits
  
  
• Permanent disability benefits
  
  
• Vocational rehabilitation
  
  
• Death benefits

Integration of the coverage allows your employee's network family physician to treat both personal illness and work-related injuries, and refer to specialists when necessary.  Centralizing medical treatment within one network reduces administrative paperwork and duplicate or unnecessary treatment so your employee can return to work sooner. It also reduces the possibility of fraudulent workers' comp claims that ultimately increase costs to you, the employer.

• A single, consolidated monthly bill is provided for the group medical, workers' compensation, dental and life insurance providing simplified administration.
  
  
• One insurance source eliminates duplicate claim filings, in turn reducing costs and possible fraud.
  
  
• A loss control consultant is available to assist your management team in evaluating exposure to loss and analyzing your loss history.
  
  
• You regularly receive reliable up-to-date loss information that could point out problem areas and safety issues to be addressed.
  
  
• You are rewarded for being safety-conscious: customers with documented safety programs in place may receive rate discounts.

Ask your Blue Cross agent for the appropriate application forms. Based on your completed application, your agent will provide you a proposal and quote.