CIRMA's Workers' Compensation Program

• Guaranteed cost coverage.
  
  
• Retrospective rating plan.
  
  
• A range of deductible levels, including large deductible plans, for budget flexibility.
  
  
• Fire and Rescue Personnel Accident Insurance program for your emergency volunteers and paid firefighters, EMTs, trainees, and auxiliary personnel, even deputized bystanders, are covered under this premier program, which provides valuable benefits above and beyond their statutory Workers' Compensation benefits.
  
  
• Heart & Hypertension program.
  
  
• A wide range of risk management services to improve workplace safety and lower losses.

As a participant in CIRMAcare, your injured employees receive:

• Care from experienced physicians in the PPN, coupled with an aggressive sports medicine approach to physical therapy.
  
  
• Timely appointments for specialty care.
  
  
• Pharmacy benefit program -- with no-out-of-pocket expense to the injured employee.
  
  
• Durable medical equipment -- with no out-of-pocket expense to the employee.
  
  
• Rapid and appropriate return-to-work planning.
  
  

Please Note:

All coverages are subject to the terms and conditions of the policy. CIRMA endeavors to accurately describe the benefits of this coverage in its literature.