FAQ for Workers

General
What is workers' compensation coverage?
What should I do if I am injured at work?
How are my wage replacement benefits calculated?
Are my workers' compensation benefits considered taxable income?
What is the eligibility waiting period for my workers' compensation benefits?
When will I know if my claim was accepted?
Can I go to my own doctor?
How do I find a medical provider?
How are medical bills paid?

Harvey Picker Horizon Scholarship
What is the Harvey Picker Horizon Scholarship?
Who is eligible for the scholarship?
How do you apply for the scholarship?
How will applicants be judged?
How much money is available and how will funds be awarded?
Who do I contact if I have questions?


General
What is workers' compensation coverage?
Workers' compensation is a state-mandated insurance program provided by your employer that covers medical treatment for your work-related injury or illness and lost wages if you are unable to work.

What should I do if I am injured at work?
Immediately report the injury to your supervisor. This is known as "giving notice" to your employer. In some cases your supervisor will already know about your injury. But if there is any doubt, notify your supervisory immediately.

How are my wage replacement benefits calculated?
The type of employment you have at the time injury will determine how your wage replacement is calculated. To determine what type of wage replacement you are entitled to, please call your claim specialist.

Are my workers' compensation benefits considered taxable income?
In most states, workers' compensation benefits are considered reportable but not taxable income. We encourage you to contact a tax professional if you have additional questions. You may also find more information on your state’s workers' compensation website.

What is the eligibility waiting period for my workers' compensation benefits?
The waiting period, or length of time you must be disabled from work due to your injury until you are eligible to receive workers compensation benefits, varies depending on the state. For additional information on the waiting period for your state, contact your claim handler or visit your state’s workers compensation website.

When will I know if my claim was accepted?
Generally you will hear from a MEMIC claim handler in 24 hours, gathering information about your injury. The number of days MEMIC has to review your claim is stipulated by state law, but many determinations about acceptance are made within a few days.

Can I go to my own doctor?
Each state has a different framework for medical treatment under the workers' compensation system. Your state may require you to go your employer's choice of doctor.

How do I find a medical provider?
You can use our online find medical provider search.

How are medical bills paid?
Please forward all bills related to your injury to MEMIC for processing.

To avoid getting bills, tell your doctor that you are being treated for a work-related injury and that MEMIC is your insurer. Also give the doctor your claim number and date of injury.

All medical bills should be submitted to:

MEMIC
P.O. Box 6726
Portland, OR 97228-6726
Fax: 888-835-1724
Email: 8888351724@onlinecapturecenter.com


Harvey Picker Horizon Scholarship
What is the Harvey Picker Horizon Scholarship?
The Harvey Picker Horizon Scholarship Program was created to assist the children and spouse of a worker who has died or suffered permanent disability due to a work-related injury. It is MEMIC’s hope that these scholarship awards for higher education may help fulfill the aspirations of those whose lives have been disrupted as a result of workplace injury or death.

Who is eligible for the scholarship?
Applicants must be the spouse or child of a worker whose employer was insured with MEMIC at the time of his or her workplace injury. Applicants must be attending or be prepared to attend an accredited college or university.

How do you apply for the scholarship?
To apply, applicant must complete the online form, submit three letters of recommendation and a personal statement describing the impact of the workplace injury on the life of the applicant. The online application is available from February through the end of April of each year.

How will applicants be judged?
Applications will be reviewed by a selection committee for financial need, academic performance, community involvement, other life experiences, as well as future promise. Finalists may be interviewed by a committee.

How much money is available and how will funds be awarded?
MEMIC will make awards of up to $5,000 per winner. The number of awards will be determined by the number of qualified applicants. The scholarship will be awarded in the form of a check to the institution the award winner has determined he or she will attend. Any scholarship award is, of course, over and above the benefits MEMIC has paid in medical or wage replacement benefits to the injured worker or their family.

Who do I contact if I have questions?