If you are a Michigan worker, you may already know about
Michigan workers' compensation. The system covers medical costs and provides wage replacement benefits
to injured workers. But workers' compensation is a complex program,
and there are many aspects you may never have heard of.
Here are five facts about workers' compensation that are important
for workers to know:
1. Workers' compensation covers more than physical injuries.
You may assume that workers' comp is available only if you are physically
hurt in a workplace accident. But illnesses and psychological injuries
also are potentially compensable in Michigan. You may be eligible for
benefits if you have been exposed to a toxic chemical that made you ill.
You also could receive benefits for psychological injuries caused by stress
or trauma on the job.
2. You have a right to information about your employer's workers'
compensation insurance coverage.
You have a right to know if your employer has workers' compensation
coverage and who the carrier is. Your employer is supposed to post this
information or provide it to you when you ask; however, you can also look
up the information on the
Michigan Department of Licensing and Regulatory Affairs website or call the Workers' Compensation Agency at 888-396-5041.
3. You have a right to request a new nurse case manager.
If you are not happy with the nurse case manager assigned to you, you may
request a new one or inform the agency that you do not wish further case
management services altogether.
4. You have a right to select your own doctor after the first 28 days.
Although your employer has a right to select your doctor initially you
can change to the doctor of your choice after the first 28 days of care.
You must notify your employer of the change and provide contact information
for your new doctor.
5. You have the right to appeal a denial.
If your claim for workers' compensation benefits is denied, you have
a right to appeal. There are several stages of appeal that a workers'
compensation claim may go through; however, it becomes more complicated
and more difficult to get a claim approved with each successive appeal level.
If you are suffering from a work-related injury or illness, an experienced
workers' compensation attorney can assist you in preparing and filing
your claim. If you have filed a claim that was denied, an attorney can
help you with appeal.