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What exactly does workers' compensation cover?

Workers in Michigan who suffer injuries on the job may wonder how they are going to pay for their medical care and for the bills that stack up while they are out of work. Most workers are covered by workers' compensation insurance, which most employers are required to have for their employees. This benefit can make a big difference for those who would not otherwise be able to pay for treatment or afford not to work. 

According to the Chronicle, workers' compensation covers all-related medical expenses and other necessary treatment or rehabilitation. It also covers missed wages up to a certain amount. Compensation benefits may also cover the costs of training if the employee is unable to return to the job he or she was previously doing. For workers who are killed on the job, the surviving family may also receive benefits to help with bills.

Coverage is not automatic, and there are circumstances in which an employer is not responsible for paying for work-related injuries. These include if the injury occurred when the employee was committing a crime or under the influence of drugs or alcohol. Benefits also do not cover injuries for workers who started a fight, broke company policies or inflicted on the injury on themselves.

The Michigan Workers' Compensation Agency states the injured workers should inform their employers immediately so a claim can be timely filed. Benefits covering loss of wages only kick in if the injury results in the employee being out of work for more than seven days.


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