Thursday, May 29, 2008

Michigan Workers Compensation Benefits

Most Michigan workers are covered by Michigan Workers’ Compensation insurance. Michigan law requires this coverage.

Michigan workers who are not covered by Michigan Workers’ Compensation include:
  • Federal employees, such as persons working for the U.S. Post Office, the Veterans Administration, or other federal government agencies. (These individuals may be covered by the Federal Employment Compensation Act (FECA))
  • Some agricultural workers
  • Employees of very small businesses, with no more than 3 employees
  • Independent contractors
If you are hurt at work, ask your employer if the company has a Workers’ Compensation insurance policy that covers you. Under Michigan law, workers’ compensation wage loss benefits are 80% of the after-tax value of your average weekly wage.

There are some complicated features to calculating wage loss benefits. When a worker's weekly salary varies from week to week, wage loss benefits are based on the average of the 39 highest pay weeks in the last 52 weeks.

If an injured worker returns to work part-time, or at a lower-paying job, that individual still may be eligible for partial wage loss benefits, to cover part of the difference between the amount he or she earned before and after the work-related injury.

These formulas can be very confusing. Contact an attorney, if you have questions about whether you are getting the amount of wage loss benefits that the law requires.

Michigan workers’ compensation pays for all medical care that is reasonable and necessary for treatment of a work-related injury, for as long as the worker requires treatment. Thus, a worker with a serious or chronic injury may be eligible for these medical benefits for years, or even for the rest of his or her life. Disputes may arise about what is reasonable and necessary treatment.
If this happens to you, seek legal guidance.

Why You Need a Michigan Workers' Compensation Lawyer

Peace of Mind
A lot is at stake when you are unable to work and wrongfully denied workers’ compensation benefits. Families often depend on the income that an injured worker lost. If our law firm assists you in pursuing a Michigan workers' compensation claim on your behalf, you can be assured that a professional, experienced Michigan workers' compensation attorney will work hard to obtain all relevant employment and medical records, review all documentation, and aggressively pursue your claim.

Put a Fighter In Your Corner
Too often, insurance companies vigorously fight against paying benefits to an injured worker. Our law firm is here to represent your interest in these proceedings and to counsel you as your claim progresses. We will do everything possible to ensure you and your family's emotional well being during the pursuit of a claim.

Professional Evaluation of Your Claim
Our law firm will diligently gather all of the documentation, make a determination, and file the appropriate claim on your behalf. To make sure you get what you deserve, you need an attorney who is well versed in the complicated laws that govern workers compensation claims. A study recently indicated that injured parties represented by legal counsel obtain far greater recoveries than those individuals who attempt to represent their own interests.

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