MGM Mirage v. Nevada Insurance Guaranty Ass'n

**What This Case Was About** MGM Mirage and another company (SEI) had workers who got hurt on the job and needed workers' compensation benefits. These companies were "self-insured," meaning they paid for most workplace injuries themselves but bought extra insurance to cover very expensive claims. Their extra insurance company went out of business, leaving unpaid claims. MGM and SEI paid these claims themselves, then asked Nevada's Insurance Guaranty Association (a safety net fund that helps when insurance companies fail) to reimburse them. **What the Court Decided** The Nevada Supreme Court ruled in favor of MGM Mirage and SEI. The court said that even though these companies were self-insured, they weren't actually insurance companies themselves. This meant they could get reimbursement from the state's guaranty fund for the claims they had to pay when their backup insurance company failed. **Why This Matters for Workers** This decision protects injured workers by ensuring their benefits get paid even when insurance companies go bankrupt. When employers are self-insured and their backup insurance fails, this ruling confirms there's still a way for workers to receive their compensation through the state's safety net system.