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What should you know about workers' compensation?

Although you exercise caution while on the job, there may come a time when you realize that you need workers' compensation. Because compensation can differ depending on where you live, it is important to know about workers' compensation in Michigan.

You may receive workers' compensation for any injury received at work. The Department of Licensing and Regulatory Affairs says that this includes injuries incurred while you were traveling and sometimes those received while on a potential client's premises. You may sometimes need to prove that an injury was indeed incurred on the job. Typically, if you are injured because you broke a rule or knowingly put yourself in a dangerous situation, you will not receive compensation.

You may receive workers' compensation benefits for an injury which affects you for at least two weeks, and these may continue as long as the injury and any side effects last. Your benefits will usually fall into one of three categories--rehabilitation, wage loss and medical benefits. You will not always receive the same amount as your weekly wage, as benefit payouts usually do not exceed 90 percent of the average week's wage.

There is a timeline which you should adhere to when reporting injuries. You may file a claim for two years but it is recommended that you report injuries early, preferably within 90 days. Naturally, your goal should be returning to work as soon as you safely can. However, you may still receive benefits if you find that you cannot do your job when you come back to work.

This information is general in nature. It should not be interpreted as legal advice.

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