Medical Allocation Services

WellComp offers a comprehensive suite of Medical Allocation Services to meet the strategic objectives of client partners throughout the claim lifecycle. From setting reserves to discussing a life care plan, WellComp has mastered the art of balancing compliance with our clients' actual medical exposure. 

The MSA arrangement is a compilation of the medical records and future payment projections over the life expectancy (or appropriate time frame) of the injured or ill individual. WellComp will obtain a rated age to identify a true life expectancy which may significantly and appropriately reduce the allocation, ultimately allowing more opportunity to reach final settlement agreements. Our average turn around time for standard MSA is 10 business days, WellComp is flexible in our service offerings. We offer a Rush MSAs service (where an MSA is needed within 1-5 days), and provide MSA Updates on those products we originally completed, as well as the standard MSA. 


WellComp manages the MSA submission for our clients. Our team members proactively monitor submissions to ensure there are no unforeseen delays and that we deliver efficient turnaround times on CMS approvals. The average CMS acceptance rate for WellComp’s MSA allocations being “approved as submitted” is 85%. We are committed to assisting our client partners through life of claim and beyond. Upon completion of settlement we will coordinate the final settlement document submission to CMS to ensure a comprehensive compliance approach.


The Medical Cost Projection product summarizes medical records and apportions Medicare and non-Medicare future medical expenses throughout the life expectancy of the ill or injured worker and is used as a strategic tool in reserve-setting or settlement development. WellComp’s experienced professionals can deliver an appropriate future medical projection for cases where our clients determine an MSA is not the appropriate strategy. In addition, WellComp can convert a Medicare Cost Projection to a Medicare Set Aside Allocation when warranted.


A Life Care Plan is prepared when a claim involves a catastrophic injury. This product is a comprehensive development of all the medically-related services required by an individual for the remainder of their lives. WellComp offers certified Life Care Planners who research each claim in detail, perform comprehensive data analysis and provide thorough documentation to deliver a quality Plan for future medical needs. The Life Care Plan is considered a living document and may be amended over time.