Future Medical Allocations 101

If you’re looking for a way to increase your settlements (and who isn’t?), then Future Medical Allocations (FMAs) could be the answer.


FMAs are a great leverage tool and are used to provide client protection and maximize case value. They safeguard a plaintiff’s future benefits and protect the firm from unnecessary risk. Any case that has expected future care can benefit from an FMA.


What is the purpose of FMAs?  

  • Used to determine the true future medical costs 
  • Medicare Set-Asides (MSAs) are an example of a limited FMA 
  • MSAs have limitations and do not include anything that Medicare would not normally pay for, including medical marijuana, acupuncture, most chiropractic care, and much more


Why are FMAs Important? 

  • Maximize settlement values  
  • Powerful negotiating leverage is gained utilizing an itemized report  
  • Protect the client’s future medical needs (Medicare protects itself by saying it will not pay)  
  • FMAs allow you to present damages more concisely


How do you use FMA reports? 

  • Demand PIP policy limits 
  • Advance your negotiating position  
  • Drive Bodily Injury policy limits


When should an FMA be used? 

  • Pre-Suit (Initial Demand)
  • Snapshot FMA – 3-Year Future Look for Cases with Advance Treatment
  • In Suit
  • Full Lifetime Medical Cost Projection
  • Itemized Full MSA (only when client is Medicare Eligible)


As you can see, there are many benefits to using an FMA report. MASSIVE provides the expertise, accuracy, and timeliness you need when determining future medical care costs, helping you obtain better outcomes.


Contact MASSIVE’s experts for more information on MSAs and Lien Resolution.