Disclaimer: This article provides general information and does not constitute legal advice.
Detailed Answer
1. Michigan No-Fault Auto Insurance (PIP) Benefits
Under Michigan’s No-Fault Act, your auto insurer covers up to 85% of wage losses when an accident leaves you unable to work. Benefits may not exceed $5,000 per month (adjusted annually). To claim benefits, file a PIP application with your insurer. MCL 500.3107
2. Workers’ Compensation Benefits
If you suffered injuries at work, the Michigan Workers’ Disability Compensation Act covers wage loss. You can receive two-thirds of your average weekly wage, subject to statutory limits. To start a claim, notify your employer and file Form WC-337. MCL 418.301
3. Third-Party Liability Claim
If another party’s negligence caused your injuries, you may sue for economic damages, including past and future lost wages. You must file within three years of the accident date. MCL 600.5805 Courts award actual losses backed by pay records and tax returns.
4. Disability Insurance
If you carry short-term or long-term disability coverage, you can tap these policies for partial wage replacement. Review your plan’s elimination periods and benefit caps. Submit medical proof of disability directly to your insurer.
5. Federal Benefits and Leave
Under the Family and Medical Leave Act (FMLA), eligible employees can take up to 12 weeks of unpaid job-protected leave. While FMLA does not replace wages, it preserves your position. For long-term disability, you may apply for Social Security Disability Insurance (SSDI) at ssa.gov.
Helpful Hints
- Gather pay stubs, tax returns and medical records to support your wage-loss claim.
- Report work injuries to your employer within 90 days to secure workers’ comp benefits.
- Notify your auto insurer promptly to avoid delays in PIP claims.
- Track all communications and keep copies of claim forms and letters.
- Consult a licensed Michigan attorney if you face denials or disputes.