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What Are MSAs?

What are MSAs?

Federally mandated accounts for funding of future injury/illness related Medicare allowable expenses for qualified individuals.


Why are MSAs Required?*
To shift the burden of responsibility from Medicare to the rightful primary payer.


*From 1981 to 1998, Medicare paid $43 billion in benefits that were the responsibility of Workers’ Compensation. (SOURCE: GAO Report)


How are MSAs Funded?
Via the establishment of an interest bearing account with a proper funding mechanism and administration oversight.


Who Qualifies for MSAs?
Medicare recipient at the time of settlement.




Claimant has a "reasonable expectation" of Medicare enrollment within 30 months of the settlement date and the anticipated total settlement amount for future medical expenses and disability/lost wages over the life or duration of the settlement agreement is expected to be greater than $250,000.


When are MSAs needed?
Prior to settlement agreement.**

** Submission to CMS regarding adequacy of proposed funding should be pursued.