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Secrets of Michigan Workers Comp Insurance Companies and How They Impact You

The Michigan Workers’ Disability Compensation Act was originally set up to help employees receive a fair compensation payment if they were injured at work. The Act was designed to be transparent for the employee and make sure expensive medical bills did not hinder your road to recovery.

Due to a changing political climate in Michigan, this law has become less balanced, and it is now almost impossible for workers to receive a fair pay-out without additional legal assistance. Insurance companies or Workers comp providers often employ strategies to reduce or even avoid paying out altogether on workers compensation claims.

Here are some of the secrets Michigan workers compensation insurance companies might employ if you are left injured at work.

Insurance Companies will not always tell you about all your benefits

The main aim of insurance companies is to save money on pay-outs and minimize the number of claims it receives. One of the easiest ways it does this is by not telling you about all the benefits covered by state laws.

If you were injured at work, your insurance company will, of course, help you with medical bills, but they probably won’t tell you about the additional benefits available to you like attendant care or rehabilitation.

Your insurance company must pay for attendant care if you need it. This means you must be provided with a nurse or other appropriate medical professional who is able to assist you in completing activities associated with your daily life. Things like using the bathroom, bathing, eating, dressing, taking medications, and other general activities associated with mobility would require attendant care and must be covered. Alternatively, your family members are entitled to receive payment for up to 56 hours per week if they provide their own attendants care in place of a medical professional. In most cases, the hourly rate paid to the professional should be paid to the family member administering your care.

In addition to this, your employer is also required to provide you with vocational rehabilitation to enable you to get back to work. This means that they must provide you with appropriate retraining if you are no longer able to do your previous job. If your employer is unable to then provide you with a new position, the training must enable you to move on to another place of employment.

Make sure you speak to your doctor about providing you with a prescription for attendants care or talk about how to initiate vocational rehabilitation. If you speak to your insurance company, it is common practice for them to withhold appropriate information that may assist with your claim.

Insurance companies will often pay your wage loss benefits at the wrong rate

After a workplace injury, you are entitled to wage loss benefits to cover your household expenses. Workers compensation providers will always pay the benefit, but more often than not this will be calculated incorrectly in the insurance companies favor. Under the compensation law, insurance companies are supposed to pay you 80% of your after-tax weekly paycheck. Your insurance company will often not include fringe benefits, premium pay rates (for weekends or evenings), bonus payments, or tips. Instead, they will only pay 80% of your basic salary.

Furthermore, insurance companies may not include all of your dependents or file your claim under the wrong tax-file status, which could also seriously affect the amount of compensation you receive. It’s also important to note that if you worked two or more jobs before your injury, you could be entitled wage compensation for all your jobs.

To make sure you receive the correct compensation amount, you can legally request your wage records from your employer and compare these to up to date weekly benefit tables provided by the State of Michigan’s government website.

It is common that even after attempting to correct your wage benefit with your insurance company you may still run into problems. At this point, it is always advisable to seek appropriate legal assistance.

Insurance companies try to choose your doctor for you

Michigan Workers’ Compensation laws entitle you to unlimited medical care if you are injured at work. Insurance companies will often use a list of their own accredited doctors and try and push you, the patient, to see this doctor. This creates a conflict of interest and the doctor’s chosen might suggest the cheapest course or treatment or even decide that your injury is not work-related.

You are entitled to choose your own doctor 10 days after your injury by providing the insurance company with their name, address, and intent for treatment. It’s important to choose a doctor you trust like a family doctor. Once you do this, your insurance company is within their right to ask you to visit an independent medical examiner. If you are asked to do this, it is important that you co-operate and do everything the examiner asks. If they then recommend conflicting treatment to your own doctor, it is very important that you seek further legal assistance with trained workers compensation lawyers.

Following these suggestions will assist you in getting a fairer compensation pay-out but it is always very important to consider appropriate legal representation in all of these instances.

Renters Insurance in Salem OH

What is Renters Insurance in Salem OH and What Does it Cover?

Renters insurance in Salem OH offers coverage for your lost, damaged, or stolen personal belongings. It also provides coverage for injuries to a person that happens in your rented home or apartment. Today we’re discussing what is – and isn’t – covered with most renters insurance policies.

What is Covered By Renters Insurance in Salem OH?

Following are some considerations when choosing renters insurance in Salem OH.

Fire and smoke damage: The amount of compensation you receive in the event of fire damage depends upon several factors, including:

  • The amount of coverage you have purchased on your possessions;
  • Whether you choose actual cash value (depreciated) coverage or replacement cost coverage;
  • The amount of your deductible which must be paid before coverage kicks in

Theft: Renters insurance covers your possessions from theft. It will typically cover your belongings, whether your rental home is burglarized, or the items are stolen from your car or while you are traveling, but would not cover damage to the car itself.

Items in Storage Units: This will depend on if your possessions are damaged, stolen or destroyed while in your storage unit, according to the specifics of your renter’s insurance policy.

Dog Bites: Many renters insurance policies exclude certain pets, but some insurance companies will not provide coverage at all if you have a high-risk breed or an exotic animal.

Bed Bugs: Policies typically exclude bug infestations of any kind, including bed bugs, cockroaches and other bugs as well as rodent infestations.

Flooding: Most policies do not cover damage caused by floods, so renters must purchase flood insurance separately to be covered for damage from flooding.

Broken Electronics: This depends on the coverage you buy and the cause of the damage. Normal wear and tear is not covered.

How Much Renters Insurance Do I Need?

When you choose renters insurance in Salem OH, you will need to choose coverage amounts for three basic types of coverage:

Personal property: Typically a minimum of $15,000 worth of coverage;
Liability: Amounts you choose, such as $300,000 of coverage for liability claims and legal defense; $5,000 Medical Payments coverage is desirable in case a visitor is injured due to your negligence.
Additional endorsements/policies: Coverage you may need for your collectibles, personal items of value such as jewelry, and outdoor toys such as snowmobiles, ATVs or personal watercraft.

Did you know that the average person has over $20,000 worth of personal belongings? The best way to define how much renters insurance in Salem OH you should carry for your personal property is to create an itemized list of your possessions and their replacement costs. (Yes, there’s an app for that!)

It is important to determine how much it would cost to replace each item as brand new. This should give you a ballpark figure for the total amount of insurance coverage you should carry.

The best and most common way to purchase renters insurance in Salem OH is through an insurance agent.

Call our office today at 330-336-9557 to discuss your coverage with our helpful agents and make sure that you and your possessions are adequately protected.


5 contractor insurance facts you need to know

Contracter InsuranceWhen you are engaged in a construction you will definitely need to hire a contractor. One of the most important things to do is to check their credentials in relation to the companies in question and especially the insurance cover just to mention but a few. The validity of the same has to count given that this is someone you are going to entrust with a lot of responsibilities and resources. One of the most vital things is the history of the contractor. Does he have a criminal past or are there any legal disputes he was involved in that are pending. These are some of the key areas you need to be aware of might you need to hire a contractor.