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Key things to understand about workers' comp in Michigan

When workers are hurt on the job, they may face physical and financial hardship. To alleviate some of the stress, a workers' compensation claim may be helpful.

For those looking to file a claim, it is important to know what to expect and what the provider expects. There are a few key things employees should know about workers' compensation in Michigan.

Definition

In short, workers' compensation is a set of benefits employees receive due to work-related injuries or illnesses. Along with wage replacement, employers pay for medical and rehabilitation care, as well as other services in relation to aiding employee recovery during injury or ailment. Depending on the severity of the injury, it may lead to long-term disability benefits. In the state of Michigan, employers usually provide workers' compensation through an insurance company, or they insure themselves rather than pay into and receive coverage through a government organization. 

Qualifications

All employees who are injured or become ill due to a work-related incident may qualify for immediate medical benefits. However, employees must wait for seven days before being eligible for wage loss benefits. Workers become eligible for the benefit on the eighth day, and if the injury lasts longer than 14 days, they are able to receive reimbursement for the first week of the injury. Wage replacement benefits are usually no more than 80% of the employee's post-tax income.

Claim process

The claim process begins with an employee informing a supervisor about the injury. If it appears the injury will last more than a week, the employer should file a report with the Michigan Workers' Compensation Agency and a claim with the insurance company, if not self-insured. When employers fail to file claims, employees may submit an employee's report of claim themselves. As long as there is no dispute, the employee will begin receiving benefits. Those who receive denials of their claims have up to two years to dispute the denial.

The workers' compensation process can become challenging. For that reason, having a full understanding of the process is key.

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Bredell & Bredell
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Ypsilanti, MI 48197

Phone: 734-665-1900
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Jackson, MI 49201

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