Michigan Catastrophic Claims Association

Nonprofit profile at a glance

EIN
382227794
IRS 990 coverage
2012–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Livonia, MI, USA
Phone
(734) 953-2779
Rating confidence
Limited

Official website

Reported finances

Revenue
$1,599,542,481
Expenses
$1,907,681,121
Assets
$23,236,293,140
Liabilities
$25,000,753,161

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

15 people listed

Executive titles in this filing

  • KIMBERLY BEZY (EXECUTIVE DIRECTOR)
  • JOSEPH ERHARDT (ASSISTANT EXECUTIVE DIRECTOR)

Highest reported compensation

  • JOSEPH ERHARDT (ASSISTANT EXECUTIVE DIRECTOR): $529,259 total reported compensation
  • KATHRYN MILLER (GENERAL COUNSEL): $466,344 total reported compensation
  • BRANDON PACH (CONTROLLER): $319,234 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The MCCA makes sure the funds exist so that every person in Michigan who suffers a catastrophic injury gets the care they need, when they need it.

What it reported doing in 2024

The Michigan catastrophic claims association (mcca), a private non-profit unincorporated association, was created by the state legislature in 1978 by public act 136 of 1978, which amended the no-fault law by adding section 3104 effective july 1, 1978. Michigan's unique auto insurance no-fault law provides unlimited lifetime coverage for medical expenses which result from auto accidents. The mcca reimburses auto no-fault insurance companies for each personal injury protection (pip) medical claim paid in excess of a set amount. Currently that amount is $635,000. The insurance company pays the entire claim but is reimbursed by the mcca for medical costs over $635,000. All auto insurance companies operating in Michigan are assessed to cover the catastrophic medical claims occurring in Michigan. Those assessments are generally passed on to auto insurance policyholders. The 2024-2025 assessment was $90.00 per vehicle which consisted of a pure premium of $70.00 and a deficit recoupment of $20.00.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 54
  • Accountability: 95
  • Sustainability: 41
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
  • Pay-setting controls: 4 of 6 controls in place; rating input score 67
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Scored; rating input score 0
  • Grant itemization coverage: Scored; rating input score 0
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
  • Governance controls: 8 of 9 controls in place; rating input score 89
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -19.3%; rating input score 4; 4th percentile among comparable filings
  • Total-asset coverage ratio: 12.18; rating input score 93; 93rd percentile among comparable filings
  • Liabilities to assets ratio: 1.08; rating input score 5; 5th percentile among comparable filings
  • Officer compensation ratio: 0.1%; rating input score 92; 92nd percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: -0.9% per year; rating input score 0; 4th percentile among comparable filings
  • Asset growth: 3% per year; rating input score 100; 20th percentile among comparable filings

Details

  • What they do: 1 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 5 of 5 board members independent · 8 of 9 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $529K · 15 people listed · 4 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $17.6M reported
  • Consistency: 13 of 13 current checks pass
  • Schedules: 4 filed schedules · includes foreign activity and executive pay
  • Filing history: 13 filing years from 2012 to 2024
  • Contacts: How to reach this organization
  • Money network: 8 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Transparency & Controls: Foreign activity oversight scored 0/100.
  • High — Transparency & Controls: Grant itemization coverage scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 4/100.
  • Review — Accountability: Governance controls: Form 990 shared with the board not reported.
  • High — Sustainability: Liabilities to assets ratio scored 5/100.