Many workers have the right to file a workers’ compensation claim if they get hurt on the job. Pursuing these benefits can help people get the health care and wage benefits they need.
However, many injured workers don’t file for workers’ compensation. This often happens when employees are confused about their rights, or someone has misled them regarding how these benefits can help. As a result, many people go without the proper care they need; some even end up losing their job and livelihood.
To prevent that from happening to you, you should consider some common misconceptions people have about workers’ compensation in Michigan.
Myth #1: Workers’ comp doesn’t apply if you were driving
Workers’ comp applies to people injured on the job but generally does not cover accidents that might happen when a person is commuting to or from work.
However, if driving is part of your job requirements or you were driving a work vehicle when you got into an accident, then you may be able to apply for workers’ comp benefits.
Myth #2: Workers’ comp doesn’t apply if your injuries were your fault
Workers’ comp is a no-fault system. In other words, it doesn’t matter if a co-worker, your employer, or you caused your injuries; you can still be eligible for benefits.
However, you won’t be eligible for benefits if you purposely inflicted your injuries or were violating company policies at the time of an accident.
Myth #3: You don’t need to seek legal help
Insurance carriers can wrongfully deny or underpay your claim, or your employer could misrepresent information, which can jeopardize the benefits you may deserve. Because you are likely unfamiliar with the Michigan workers’ compensation system (especially compared to the insurance carriers) and you may be dealing with a painful injury, reaching out for help can allow you to navigate this process more easily.
Clearing up these myths can give workers a fighting chance to get back on their feet and start working again after an accident.