The Michigan Workers’ Compensation is a system that provides insurance coverage to the employees of the State that get injured while at work. Covered employees are eligible to have medical care and lost wage benefits when they suffer from an injury or illness related to their employment.
The benefits of workers’ compensation are not only for employees. Employers also benefit from it. When employers carry a workers’ compensation insurance, they are protected from most lawsuits that can be filed against them. In addition, they can save from spending out-of-pocket money for medical expenses of an employee who meets an accident while working or obtains occupational disease.
Workers’ comp is a mandatory requirement of the State of Michigan, as well as in most states in the U.S., for employee-hiring companies. The number of employees for a company to be required to carry a workers’ comp policy differs in every state. In Michigan, their law obliges public and private businesses with three or more employees working as full-time or part-time or at least one employee working more than 35 hours per week for 13 weeks or longer.
Companies may get their workers’ compensation through an authorized insurance carrier. But Michigan government allows qualified businesses to apply for self-insurance. These businesses are usually the large companies with strong financial status which can administer their own workers’ compensation benefits. They apply to be self-insured to save money from paying insurance companies.
The Rights and Responsibilities of Michigan Employees
It is the employee’s responsibility to report the injury to his or her employer. Then the employer will file the claim for the employee to receive necessary assistance. Below are the benefits that Michigan employees have rights to.
• Medical Care
• Wage Loss Benefits
• Choosing A Doctor
• Maintaining Contact
• Vocational Rehabilitation
• Family Medical Leave Act (FMLA) Benefits
If you are working in this State, learn more about the details as a worker in Michigan Workers’ Disability Compensation Rights & Responsibilities.
The Workers’ Compensation for Michigan Employees
If you own a small business, getting Workers’ Compensation gives you the protection from unexpected injuries or illnesses that employees might encounter while at work. If you are operating in Michigan and looking for a small business workers’ comp, we at SynchronoSure® offers the best workers’ comp insurance. It is created to meet the specific needs of small and start-up businesses in the gig economy in the U.S.
We are willing to underwrite risks currently insured in Assigned Risk Plans because we see the need of the gig economy and small businesses to provide the medical coverage and lost wages benefits for employees who suffer work-related injuries, accidents or illnesses. Some business owners find it hard to get a coverage from an insurance company, but with our extensive scope of employee classifications your small business might be able to get a workers’ comp policy with us. Check our 1,000 Payroll Classifications.
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