Permanent Work Restrictions and Michigan Workers’ Comp: What You Need To Know

Available benefits that can help a disabled employee transition to a new career when they have permanent work restrictions under workers’ comp. Many of our clients have been doing heavy work for their entire lives. Getting hurt on-the-job can be a life changing event. This is especially true when an employee ends up with permanent […]

Employability & Wage Earning Capacity Analysis

Warning for disabled employees who find their weekly checks reduced or stopped. Workers’ compensation is a safety net for employees hurt on-the-job. It covers medical treatment, lost wages, and vocational rehabilitation if needed. The amount paid for lost wages is generally equal to 80% of an employee’s after-tax average weekly wage. A good rule of […]

Part 2 of 3: Workers’ Comp Formula

Calculation of wage loss benefits when the insurance company decides an employee has a post-injury wage earning capacity. Michigan workers’ comp law has undergone changes in the last few years. The most controversial is a reduction for phantom wages. This is when the insurance company decides someone has a post-injury wage earning capacity (PIWEC). PIWEC […]

What issues to watch in 2018

Workers’ comp issues to watch in 2018 and why the deck seems stacked against injured employees. We are always looking out for our clients. This includes watching trends and developing strategies to deal with insurance company abuse. It seems like the deck is getting even more stacked against people hurt at work. Here are three […]

45% drop in pure premium rate since 2011

Michigan employers save estimated $446 million on workers’ compensation costs as pure premium rate continues to fall. The Department of Licensing and Regulatory Affairs (LARA) has announced the pure premium advisory rate for workers’ compensation insurance will drop by an average of 9.3% for 2018. Employers have now seen a 45% drop since 2011 and […]

MiScorecard Performance Summary (Reporting Period January 2017)

Workers’ Compensation Agency (WCA) gets its MiScorecard and it shows no changes in the last year. Governor Rick Snyder created Michigan Dashboard to provide a snapshot assessment of state government agencies. It is supposed to show progress and areas for additional improvement. We have been critical of this tool because of the metrics used and […]

PIWEC Calculation

WCA calculator shows how little people get from workers’ compensation under 2011 legislative amendments. We have blogged about post injury wage earning capacity (PIWEC) on several different occasions. This is when the insurance company says you are only partially disabled and could find another job. The problem is that insurance companies make this calculation and […]