What Happens If Workers’ Comp Doesn’t Pay?

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What Happens If Workers' Comp Doesn't Pay?

A workplace accident can turn a person’s life upside down. This is especially true if they unable to perform the essential functions of their job or require significant medical treatment. Supporting a family while on disability is a challenge but if workers’ comp benefits get cut-off, it becomes a financial disaster. Here is what happens if workers’ comp doesn’t pay and what to know to protect legal rights.

Workers’ comp is supposed to be a safety net for people who get hurt on-the-job and it pays regardless of fault. All medical treatment should be covered without any copayments or deductibles being owed. It pays 80% of lost wages based upon a person’s after-tax average weekly wage.

Unfortunately, insurance companies find all kinds of reasons to dispute workers’ comp claims. It can be based upon late reporting, preexisting medical conditions, or misconduct. Many employees find their claims disputed after attending the so-called “independent” medical examination. Some of our clients never get a reason and are told that a claim is simply “pending investigation.” So, what happens if workers’ comp doesn’t pay? Employees can expect to lose access to medical treatment and lost wages.

We strongly recommend challenging a disputed workers’ comp claim. An Application for Mediation or Hearing can be filed, and the matter goes to court. A magistrate will decide if additional medical and wage loss benefits should be paid. It is important to have a lawyer handle this process because the rules of evidence can be difficult. There is no attorney fee unless money is recovered, and it’s only a relatively small percentage of the total amount.

What happens if workers’ comp doesn’t pay in Michigan?

Insurance companies are allowed to dispute workers’ comp claims. Payment of medical and lost wages can be stopped. An employee must file for a hearing to challenge this decision. Health insurance can be used to pay disputed medical bills. A claim for unemployment or other disability benefits will be permitted.

What happens if workers’ comp doesn’t pay medical? Employees who find medical treatment disputed under workers’ comp can use their own private health insurance. This includes health insurance policies through an employer. Government programs like Medicaid or Medicare will also pay. Reimbursement will be required if money is recovered through a workers’ comp award or settlement. Our experience shows any reimbursement will be a small fraction of what is ultimately collected.

What happens if workers’ comp doesn’t pay lost wages? Employees can make a claim through unemployment if they are physically able to perform some past job but cannot find employment within their restrictions. It is also possible to make a claim through other insurance policies such as long-term disability. Reimbursement is typically required but an experienced lawyer can minimize what needs to be paid back.

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) 316-8033 for a free consultation today.

Related information:

What Pays More Workers’ Comp Or Disability?

Author Bio Jeffrey Kaufman

Author
Jeffrey E. Kaufman
Michigan Workers Comp Attorney

Jeffrey E. Kaufman has extensive experience in workers compensation cases and has recovered millions of dollars in benefits for his clients. He believes all injured workers deserve to be on equal footing with insurance companies and employers, and fights tenaciously so their rights are secured and protected.


“Jeff also helped me with getting my Blue Cross bills paid. I would absolutely recommend him and the whole firm. Jeff and the firm did everything they were supposed to do for me and my case.”
Ricardo Perfetto

Hundreds of 5-Star Reviews

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Get Help From our Michigan Workers’ Comp Lawyers Today

You’re not alone. Our Michigan workers’ comp lawyers have been called the best in the state, and our clients love how they’re treated with care, respect, and responsiveness. We will give you the time you need, we will explain your legal rights, and we will always treat you with respect.

Our workers’ compensation and Social Security disability lawyers always put your needs first. Get to know your legal team.

Our attorneys post regularly about common issues related to workers’ comp, including common injuries, settlement calculations, laws, and more.

Injured? It’s Time to Get Some Answers

Don’t let the insurance adjuster push you around. Request your free consultation today.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Our attorneys post regularly about common issues related to workers’ comp, including common injuries, settlement calculations, laws, and more.

Our workers’ compensation and Social Security disability lawyers always put your needs first. Get to know your legal team.