Why there are no dumb questions and answers that can help with your workers’ comp situation.
We believe knowledge is power and there are no dumb questions. Understanding legal rights is the best way to ensure a quick and fair recovery.
Here are five questions and answers employees should know about their workers’ comp benefits in Michigan. Please call our office for additional help.
Q1. How much should I get paid?
Workers’ comp insurance pays cash benefits to employees hurt on-the-job. Checks should come weekly and continue for the length of disability. The amount is based upon 80% of after-tax average weekly wage. Watch out for insurance companies who do not get wage records and just estimate the amount.
Q2. When can I see my own doctor?
Medical treatment should be covered 100% under workers’ comp. Employees can select their own doctor after 28 days from the start of medical care. Do not let the insurance company dictate medical care.
Q3. What happens if my benefits are cut-off?
Insurance companies look for any excuse to stop payment of benefits. It is important to challenge an unfair decision by filing a workers’ comp case. Disputes are either settled or resolved by a magistrate at trial.
Q4. Why do I have to look for work?
Michigan law was changed in 2011. Employees seeking workers’ comp benefits must now perform a job search. Insurance companies can also use “wage earning capacity” to reduce or stop weekly checks. A job search shows no other employment exists and benefits should be paid in full.
Q5. How are settlements calculated?
Employees who wish to settle with workers’ comp can ask for a lump sum cash payment. The amount will be based upon wage loss and medical benefits. Pain and suffering is not included. Insurance companies will try to pay as little as possible. It is important to speak with an attorney to ensure a fair settlement is obtained.
Michigan Workers Comp Lawyers never charges a fee to evaluate a potential case. Our law firm has represented injured and disabled workers exclusively for more than 35 years. Call (844) 201-9497 for a free consultation today.
Photo courtesy of Creative Commons, by aronbaker2.