The process of applying for and receiving workers' compensation can be a confusing one. The following are some brief answers to some of the frequently asked questions about the Michigan workers' comp program through the LARA Workers' Compensation Agency.1
When should I report an injury I suffered at work?
In Michigan, you should always report an injury to your employer within 90 days.2 However, it is always a good idea to inform a supervisor or someone else of an accident as soon as you possibly can. If you wait to report the incident, your employer or their workers' comp insurer may try to claim that your injury was the result of a subsequent event and not from the workplace accident. Reporting the accident and possible injuries right away can help make the process easier.
What if the workers' comp insurance company asks for a recorded statement?
You should always be hesitant to give any type of insurance company a recorded statement following an injury. Insurance companies handling workers' compensation are no different and are generally aiming to limit liability whenever possible, no matter how helpful and trustworthy the agent seems. Too many injured workers give statements that include offhand or unintentional comments that they believe are harmless but can later be used by the insurer to limit benefits. Therefore, you should always discuss your situation with an attorney who can communicate with the insurance company for you to ensure you receive the maximum benefits possible. If you did make a statement already, an attorney can keep that statement in mind and ensure it is not misconstrued.
How much should I be receiving for lost wages?
If you cannot work due to an injury, workers' compensation benefits are vital to paying your bills and covering your household expenses. For this reason, you want to be sure that you are receiving the right amount. In most cases, you should look at the after-tax wages that you are losing and you should be receiving 80 percent3 of that amount in benefits. There are some outlier cases that can be more complex, however, and an attorney can always check to make sure you are receiving what you deserve.
Do I need to speak with an attorney?
Though it is not required that you have representation by an attorney throughout the workers' compensation process, many things can go wrong that can either delay your benefits or even result in a complete denial. An attorney can help you through every stage of the application process to make sure you comply with all requirements and do not make any errors that may put your benefits in jeopardy.
Discuss your situation with an experienced Michigan workers' comp lawyer today
At the Michigan firm of Michigan Injury Lawyers, our team of workers' compensation attorneys are committed to helping injured workers receive the full amount of benefits they deserve to cover their lost wages and medical bills. Please do not hesitate to call today at 888-454-0801 for a free consultation.