A worker injured while on the job, or while performing tasks or services outside of the workplace but pertinent to the job, is entitled to compensation to cover the loss of wages and benefits to cover medical and rehabilitative treatments. A worker injured while on the job, or while performing tasks or services outside of the workplace but pertinent to the job, is entitled to compensation to cover the loss of wages and benefits to cover medical and rehabilitative treatments.
The list of compensation and benefit categories that may be available to an injured worker and dependents include:
1. Wage loss benefit
2. Specific loss benefit
3. Death benefit
4. Medical treatment, reasonable and necessary
5. Vocational rehabilitation
6. Mileage to/from medical appointments, treatment, and therapy.
Wage Loss Benefit
Michigan law does not differentiate between permanent and temporary disability—all disability is covered under the wage loss benefit in a workers’ compensation claim.
A worker is entitled to wage loss benefits if there is a reduction in wage-earning capacity.
Changes in the wage-earning capacity, the amount of compensation received and any supplements to this benefit are very technical, and it is important to have an attorney trained and certified in workers’ compensation law representing you in a claim for wage loss benefits.
The attorney representing the insurance company does not represent your interests.
Specific Loss Benefit
A worker is entitled to this benefit when there is a loss of limb or the function of a body part. It should be noted that a worker cannot be compensated for lost wages and for a specific loss simultaneously.
This benefit is compensation to the workers’ dependents, and this benefit is based upon a formula with applied limits and caps to after-tax wages. In addition, under workers’ compensation law, the insurance company must pay a set amount for reasonable funeral and burial expenses.
Is Retaining a Workers’ Compensation Attorney Important?
A worker injured at the workplace, or while performing tasks and duties pertinent to employment, needs an experienced, certified attorney to guide them through the process of administering the workers’ compensation claim.
It is also important for the attorney to care and to take the time to understand the financial and medical situations of the client and of the family. Without this knowledge and support on your side, you are vulnerable to a loss in entitled benefits.
An injured worker needs to retain an attorney with whom the worker trusts, feels comfortable and has the assurance that their interests are being looked after first.
With these assurances in place, you will have the confidence in the advice of what should and should not be done, and in knowing that your rights are protected for the benefit of you and your family.