Missouri’s
Voice
in Workers’ Compensation

Fund History

The Missouri Merchants and Manufacturers Association Self-Insured Workers’ Compensation Fund (MMMA) has protected Missouri business owners for 25 years through an actionable approach to workers’ compensation with a focus on savings, service and legislative action. No other fund administrator in the state protects the Missouri business owner by watching over the ever-changing tide of legislation. Our multi-industry self-insured group (SIG) allows members lower long-term cost, aggressive claims management, surplus distribution and ownership in results.

25

Years
of Protection

About the Association

Formed in 1980, the Missouri Merchants and Manufacturers Association (MMMA) represents small and medium sized businesses throughout the state of Missouri. Our members are business owners and managers with similar business problems and concerns whose interests are varied, yet who have a common goal – the need for a strong voice in the legislative process. That voice is MMMA.

History of Accomplishments

Collectively, MMMA achievements have saved Missouri businesses more than $400 million.
  • 2018
  •  
  • 1990s
  •  
  • 1980
  • 05
  • 04
  • 02
  • 01
  • 00
  • 99
  • 98
  • 96
  • 92
  • 87
  • 85
  • 84
  • 82

Click here to view our timeline to see how we got there.

2005

Led the passage of the most comprehensive workers’ compensation reform bill in the past 2 + decades! Results: Fewer claimants will qualify for workers’ compensation benefits and employers will feel the inancial relief!

2004

Instrumental in the passage of legislation restoring solvency to Missouri’s Unemployment Insurance Trust.

2002

Missouri Merchants and Manufacturers Association, et al., v. State of Missouri prevailed before the Supreme Court of Missouri which returned $5.94 million to income tax payers, and helped bring accountability to how our elected officials appropriate future tax credits.

2001

MMMA led an effort that resulted in collectors of state sales tax maintaining the ability to retain refunds of over-collected sales tax.

2000

MMMA was the lead plaintiff in a lawsuit which clarified the calculation of Hancock refunds.

1999

Saved Missouri businesses $31 million by successfully lobbying for change in our franchise tax laws.

1999

Initiated and passed a Job Reference bill providing employers immunity for giving truthful references.

1998-90

Led the fight for passage of numerous workers’ compensation bills that has saved Missouri employers millions of dollars.

1996

Promoted and secured sales tax exemptions on replacement machinery, equipment and replacement parts.

1992

Received approval to start the MMMA Self-Insured Workers’ Compensation Fund.

1987

Won a Supreme Court of Missouri decision, ACI Plastics vs. the City of St. Louis, prohibiting two tax issues from being on the same ballot.

1985

Won a Supreme Court of Missouri decision upholding Missouri’s ‘employment at will’ standard.

1984

Successfully worked to have unemployment compensation rates lowered and avoided $270 million in federal penalties.

1982

Successfully lobbied and worked for the repeal of the Merchants & Manufacturers Inventory Tax.

MMMA BY THE NUMBERS

The largest and oldest multi-industry fund in the state of Missouri

Returned $10.8 million in surplus distribution to qualifying members

15,000

MO employees covered

163

employer members

Our expert adjusters have

20+ years
experience
Under 100

indemnity/lost time claims per adjuster

Financially Secure

$10.8 million surplus distribution returned to qualifying members

Zero assessments for 25 years

62% 25 year loss ratio

– subsection of 5 year
Loss development factors:
  • accuracy of claims reserving
  • minimal variation
Fiscally responsible
Accurate reserving
Accuracy of actuary

Savings. A Voice. Commitment. That’s the MMMA Promise.