Create a payment plan that works for you.

Make payments 24/7 online using our secure portal or by phone at 1.800.442.0593, M-F 8 a.m. – 5 p.m. except for holidays. We accept MasterCard, Visa, Discover, and electronic check.  

Mail payments to:
Missouri Employers Mutual
PO Box 801768
Kansas City, MO 64180-1768

Address overnight payments to:
Missouri Employers Mutual
101 N. Keene St.
Columbia, MO 65201

MEM Customer Care at 1.800.442.0593 or customercare@mem-ins.com. Please have your policy or account number available.

At MEM, we want you to understand exactly what you’re paying for. Some common policy charges you may see on your billing statement include:  

• Audit Premium – Premium based on the results of an audit that reflects an adjustment to the original estimated premium for the policy year. Adjustments are based on actual payroll and classification exposure.  
• Expense Constant – An administrative fee applied to every policy for the cost of initializing the policy at the beginning of each policy term. The cost varies by state.    
• Late Reporting Fee – A per policy fee is assessed when payroll reports are submitted past the due date.  
• Payment Reversal Fee/Returned Check Fee – A per policy fee of $20 is assessed if your check is returned unpaid for any reason. Returned checks may be re-presented electronically.  
• Policy Late Fee – A per policy fee of $25 is assessed if the outstanding balance is not received by the due date.  
• Premium – Work comp premiums are tied directly to payroll totals. Amounts are based on every $100 of payroll in each employee class code.  
• Service Fee – A per policy fee of $5 is assessed when a billing statement is generated with outstanding premium due.  
• Terrorism Premium – A federally mandated surcharge of two percent of every $100 of payroll to cover losses that may occur in the event of certified acts of terrorism. 

A description of all charges can be found by viewing the back of your billing statement.

Yes, in some states we are required to charge the following fees:  

• Administrative Surcharge – Missouri law requires MEM to collect and forward this surcharge to the state.  
• Catastrophe Surcharge – This charge covers the losses that may occur in the event of catastrophe (other than Certified Acts of Terrorism) as defined in your policy.  
• Illinois WC Commission Operations Surcharges (IOC) – Illinois law requires Previsor to collect and forward this surcharge to the Illinois Department of Insurance.  
• Missouri Second Injury Fund Surcharge (SIF) – Missouri law requires MEM to collect and forward this surcharge to the state. The rate is determined annually by the Department of Labor, Division of Workers’ Compensation.  

We have several payment plans designed with you in mind to choose from. For more information, see our payment options.   

The number of payment installments can be changed midterm; however, the payment plan type cannot be changed.  

Ex. Switching from an installment payment plan to a reporting payment plan.

Your billing statement cycle is dependent on the payment plan and payment method selected for your policy. 

Collecting collateral is necessary to protect us (as the insurer) from the risk of providing coverage for which a premium has not yet been collected. You will pay premium based on your reporting period once your actual payroll is determined. The collateral serves as a deposit for the coverage during this initial period.

To eliminate the collateral requirement we offer annual premium, installment, and new Auto Pay Monthly or Auto Pay Quarterly payment plans. View our payment plans.

In all cases, collateral is transferred to the new policy term at renewal. If your policy changes from reporting to annual prepaid or installments, the collateral is transferred to the down payment at renewal. Collateral on your billing statement reflects the collateral charge for the policy term. Collateral adjustment is the transfer of collateral held from one year to the next.

Auto Pay involves transferring funds from one bank account to another. This lets you quickly and securely pay your premium and gives you the most payment options.  

MEM and Previsor Insurance policies can enroll in Auto Pay at any time with an annual, installment, or reporting payment plan, regardless of premium size. Argonaut policies are not eligible.   

View our payment plans or log in to your account to sign up.

The amount debited via Auto Pay is the total amount due that appears on your billing statement. Additional charges, such as audit or endorsement amounts, will be debited as they appear on your statement.  

All amounts will be debited on the stated due date. However, a billing statement with less than $10 due will not be debited from your bank account.  

We will make two attempts to collect payment. If both attempts are unsuccessful, we will reverse the payment, charge a $20 payment reversal fee, and begin our standard delinquency process.

MEM payroll reporting plans include convenient automatic bill payment options. When you select an Auto Pay reporting payment plan there is no collateral required and service fees are waived.

When you pay using Auto Pay, your premium and related charges are automatically drafted from your bank account according to the frequency of the payroll reporting plan you choose.

Billing statements are created at an account level and include all transactions for multiple policies and policy terms.

Credits will be applied to any outstanding balance, including amounts owed on previous policy terms, future installments, and/or premium reports. Any credit remaining is refunded to the policyholder, producer, or finance company after the final audit is completed.

Work comp small deductible plans are policies that help employers better control their insurance costs. By agreeing to a deductible, the employer retains some financial responsibility for claims but gets coverage at a discount. 

A higher deductible usually results in a lower premium. The risk, however, is that you owe your insurer the deductible whenever it pays a claim. 

For more information see Small Deductible Plans.

Yes, paying by check authorizes MEM to use the information to make a one-time electronic funds transfer from your account, or to process the payment as a check transaction. Funds may be withdrawn from your account as soon as the same day we receive your check. You do not receive a check back from your banking institution if an electronic funds transfer took place.

A change made to your policy that can result in either a debit or credit to your account. Any endorsement amounts bill based on your current payment plan and are included on your billing statement.  

Contact Customer Care at customercare@mem-ins.com or by phone at 800.442.0593. 

If payment is not received by the due date, the company may, based on provisions set forth in the policy, terminate your coverage. Any payments received after the cancellation date are applied toward outstanding balances. Once a policy is cancelled and audited, we refund any credit applicable or bill you for any unpaid premium and any other charges. If you do not pay the final amount due by the due date or make acceptable payment arrangements, the matter may be referred to a third party for collection.  

If your contact information has changed, please email Customer Care at customercare@mem-ins.com with your updated information.