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Why occupational accident insurance policies are inferior to workers’ comp.

We are concluding our series of blog posts on the gig economy with a critique of occupational accident insurance. This is in response to Uber’s pilot program allowing drivers to purchase their own coverage for on-the-job injuries.

Uber is offering this option because independent contractors do not qualify for workers’ comp. It has been reported that up to $1 million for medical expenses, up to half of a driver’s average weekly earnings, and a maximum of $150,000 in survivor benefits will be offered. Here is why occupational accident insurance is no substitute.

Medical Treatment

$1 million dollars sounds like a lot of money for medical care. But if you are in a serious workplace accident, costs quickly spiral out of control. A hospital stay can cost hundreds of thousands of dollars. 24/7 attendant care or a nursing home might not be covered and can bankrupt a family. Even prescription medications can cost six figures over a person’s lifetime. Michigan workers’ comp pays 100% of medical costs without co-pays or deductibles. It is an unlimited and lifetime benefit.

Wage Loss Benefits

Occupational accident insurance is limited in amount and duration of wage loss benefits. Most people live paycheck to paycheck and loss of income can be devastating. Michigan workers’ comp pays 80% of the after-tax average weekly wage. This includes bonuses, premium pay, and overtime. Individuals can also include lost wages from a second job. Payments continue for the entire length of disability.

Dispute Resolution

Occupational accident insurance policies are typically governed by contract law. Individuals who are denied these benefits might find themselves stuck in federal court with a difficult review standard. Michigan has an entire court system devoted to resolving workers’ comp disputes in a timely and efficient manner. Magistrates are experts in medicine and statutory law.

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.

Related information:

Do I qualify for workers’ compensation in Michigan?

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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

Related Blog Posts

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.