The Department of Insurance in Missouri conducted examination of how insurance companies, including EMCASCO and Employers Mutual Casualty Company, handle workers' compensation claims.  These examinations revealed that these two particular companies violated certain procedural requirements that ultimately short-changed workers with workers' compensation claims.  For example, the insurance companies failed to update schedule rating worksheets, failed to notify insureds of potential eligibility for benefits, failed to file large deductible policies, and used a schedule rating credit not approved for use in Missouri.  A settlement reached between the insurance companies and the Department of Insurance will require the companies to pay the state of Missouri $207,350, and policyholders involved in the specific cases of improper handling will receive over $14,000.  The insurance companies will also be required to review its workers' compensation policies and look at other cases to determine if more workers are entitled to restitution payments.

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