Michigan Workers Comp Insurance - What Types of Injuries & Illnesses Are Covered By Workers Comp?

📞 Call or Text at: 248-459-3045

Workers compensation insurance is designed to protect employees if they get hurt or sick because of their job. But what exactly does it cover?

First, injuries. These can range from something as straightforward as a slip and fall accident to more serious incidents like machinery-related injuries.

Common examples include:
Sprains and strains: These often happen due to lifting heavy objects or repetitive motion.
Cuts and lacerations: These can occur if you're working with sharp tools or machinery.
Broken bones: These might happen from falls or other accidents on the job.
Burns: Whether from a chemical spill or a fire, burns are covered too.

What about illnesses? Workers' comp also covers a variety of work-related illnesses. Here are some examples:
Respiratory conditions: These can result from exposure to harmful substances like asbestos or chemicals.
Skin conditions: Prolonged exposure to irritants can lead to conditions like dermatitis.
Hearing loss: If you work in a noisy environment, over time, this can lead to hearing issues.

It’s also worth noting that workers' comp covers repetitive stress injuries like carpal tunnel syndrome, which can result from repetitive tasks within someone’s job.

Occupational diseases that develop over time due to the work environment, like black lung disease for miners, are also covered. Additionally, under certain circumstances, mental health issues may be covered.

Workers' comp in Michigan doesn’t just cover medical bills. It can also provide disability and wage loss benefits if someone is unable to work due to an injury or illness, and even death benefits to that workers dependents if the worst case scenario happens.

Also, there is coverage for rehabilitation services such as physical and occupational therapy, as well as vocational rehabilitation to help employees return to work in the same job or another occupation if that’s necessary.

An important point to remember, it’s crucial to report any injury or illness promptly and properly to ensure the benefits are received.

If you need help or have questions about your insurance, please feel free to reach out!

Cell: 248-459-3045

If there are any topics you want to hear more about or if you have any questions about specifics when it comes to insurance, sales, or business in general, please let me know!

**DISCLAIMER: THIS IS NOT LEGAL ADVICE. USE AT YOUR OWN DISCRETION. THIS VIDEO INCLUDES MICHIGAN INFORMATION ONLY.