Coronavirus Information for Employers

3/16/2020

Our thoughts are with the health and well-being of our customers, employees, families and communities during these unprecedented times. Midwest is committed to maintaining the highest possible levels of customer service as we navigate through the impacts of COVID-19 and this rapidly changing situation. We have implemented our business continuity practices to ensure uninterrupted services are provided in accordance with our Best Practices. While no company is perfect and reasonable delays may occur, we will make every effort in doing our part to support your needs as we work through these uncertain times together. We appreciate your business, understanding and thank you for your partnership.

Are COVID-19 claims compensable?


Midwest understands that each case provides a unique set of circumstances and investigates all claims for compensability applying the rules governing practice in each jurisdiction. Your adjuster will investigate the facts and evidence when making a determination in assessing COVID-19 contraction arising out of and in the course and scope of employment. Our determination will consider a review of the medical evidence, whether contraction was an increased risk to that which the general public is exposed, whether contraction would have occurred but for that time and place under the employment setting, whether contraction occurred while the employee was furthering the duties peculiar to your employment and where those duties were of benefit to the business. Certain employment may have a higher risk of contraction and in those circumstances, you will want to take necessary precautions in the prevention of the spread of the disease. Please refer to the CDC guidelines below.

CDC Guidelines- Prevention and the Spread of COVID-19


Please visit these websites for CDC recommendations for businesses and employers.
https://www.cdc.gov/coronavirus/2019-ncov/faq.html
https://www.cdc.gov/coronavirus/2019-ncov/community/guidance-business-response.html

Reporting a Claim


Report all claims immediately if you believe contraction arose out of and in the course and scope of employment. If you are unsure if a claim is compensable, our customer care team will complete the intake process around first notice of loss and an adjuster will contact you to discuss the facts and evidence unique to your employee's claim.

Online:

Midwest: www.midins.com
West River: www.westriverins.com
Brickyard: www.brickyardins.com

By Phone:

California: 866.642.2567
All other states: 800.293.0616
West River: 866.263.7400
Brickyard: 844.355.6036

Ask Your Adjuster About Telehealth:


Midwest is partnered with Rising Medical Solutions to offer Telehealth services.

What is Telehealth?


Telehealth is the use of technology to attend video appointments with a telehealth provider via smart phone, tablet, or computer. A virtual video visit gives quick access to a treating provider should your injury occur after business hours, weekends, or as an alternative to an in-office appointment. The option of a virtual video visit is available for the initial treatment of a new claim, based on the type of injury, or for a follow up appointment. Telehealth providers are board certified and licensed. Please note: Not all injury types are appropriate for Telehealth and may not be eligible for referral. Telehealth is not for emergency situations. In the event of an emergency call 911.