Since 1991, HEALTH CARE FACILITIES OF MISSOURI (HCFM) has saved its members thousands of dollars through Aggressive Claims Management and Loss Control. There are also immediate benefits to being a member of HCFM.

Reasons that HCFM is your Workers' Compensation Home for your Home:

• HCFM Members have enjoyed a 30% dividend payout history
  
  
• HCFM Maintains long-term competitive prices-Primary rate has remained constant for seven years!
  
  
• HCFM Pays members interest on their deposit premium annually
  
  
• HCFM Is the largest Trust for Nursing Homes
  
  
• HCFM Is an approved training agency- providing free continuing credit hours to member homes
  
  
• HCFM Has minimized the assessment potential through innovative reinsurance policy
  
  
• HCFM Currently pays second injury fund tax for all members
  
  
• HCFM Has an exclusive provider network of physicians who work with the Trust to keep costs low!
  
  
• HCFM Has negotiated discounts for members with Lift Provider on resident lift devices
  
  
• HCFM Has reinsurance with Safety National Casualty Corporation, a A VIII Best rated company
  
  
• HCFM Has 25% annual discount available based on your claims experience and loss control compliance.
  
  
• HCFM Potential dividend on surplus of total paid-in premium minus claims costs and operating expenses. (Money normally retained as profit by insurance companies.)
  
  
• HCFM Trust subsidizes member appreciation functions
  
  
• HCFM Premium paid monthly on your facility's actual payroll in arrears
  
  
• HCFM's Loss control specialists will review your facility twice a year and make recommendations to avoid potential injuries.