Michigan Workers Compensation - laws,rules,statutes,state contacts and detailed policy information

State: Michigan

Authority/Rating Bureau: Compensation Advisory Organization of Michigan, CAOM. This is a non-NCCI state. Contact at:

Compensation Advisory Organization of Michigan

Street address: 17197 N. Laurel Park Drive, Suite 311, Livonia, MI 48152

Mailing Address: P.O. Box 3337, Livonia, MI 48151-3337

http://www.caom.com/

Compulsory: Yes

Private Insurance: Allowed

Self-Insurance: Allowed

State Fund: There is a competitive state fund.

Assigned Risk: The Michigan Workers’ Compensation Placement Facility, operated by CAOM. Contact at:

MICHIGAN WORKERS’ COMPENSATION PLACEMENT FACILITY

P.O. Box 3337

Livonia, MI 48151-3337

(734) 462-9600 Fax (734) 462-9721

http://www.caom.com/

Numerical Exceptions: Certain very small employers are exempt. If a private employer has three or more employees at any one time, or employs one or more workers for 35 or more hours per week for 13 or more weeks, the employer is subject to the Workers’ Disability Compensation Act. (Section 115).

Individual Waivers Allowed: Yes

Sole Proprietor: Excluded from coverage. Michigan rules indicate the sole proprietor is "self-employed" thus is excluded from coverage.

Partners: Included in coverage/may elect to be excluded - see corporation notes below

Corporate Officers: Included in coverage/may elect to be excluded - The employees of partnerships and corporations are covered. However, Section 161 of the Act provides that under certain circumstances named partners and officers who are also shareholders of small, closely-held corporations may exempt themselves from the Act. Firms which wish to exclude partners or officers of a corporation but have other employees can do this by making arrangements with their insurance company. Firms in which all of the employees are either partners or owners of a small corporation may obtain a certificate of their exemption under the Act by contacting the Insurance Division of the agency. $20,852- Min Annual Payroll used for corporate officers included.

LLC Members: Included in coverage/ An active member with no more than 10 members owning a min of 10% of company may elect to be exempt.

Contractors: If one company hires another company to come in and do some work for it, the second company is ordinarily an “independent contractor” and not an employee of the first company. Sometimes, however, a company hires one person to come in and perform a specific job and disputes arise as to whether or not that person is an employee or an independent contractor. Section 161(1)(n) of the Act states that if the worker does not maintain a separate business, does not hold himself or herself out to and render service to the public, and does not employ other workers, the worker will be considered an employee.

Special Notes: There are a few classes of workers who are covered by federal laws and are not covered by the Workers’ Disability Compensation Act of Michigan. Employees of the federal government (such as postal workers, employees at a veterans administration hospital, or members of the armed forces) are covered by federal laws. People who work on interstate railroads are covered by the Federal Employers Liability Act. Seamen on navigable waters are covered by the Merchant Marine Act of 1920, and people loading and unloading vessels are covered by the Longshoremen’s and Harbor Workers’ Compensation Act. Virtually all other workers and employers are subject to Michigan’s law. Agricultural employees are exempt under certain special circumstances. An agricultural employer, however, may voluntarily cover its workers. Section 161(2) of the Act provides that certain family members of an employer may be excluded from the Act.

Regulated By:

Workers Compensation Agency

State Secondary Complex

General Office Building

7150 Harris Drive, 1st Floor, B-Wing,

Dimondale, Michigan 48821.

1-888-396-5041

Mailing address:

Workers' Compensation Agency

P.O. Box 30016

Lansing, Michigan 48909.

http://www.michigan.gov/wca/

Workers Compensation Statute:

http://www.legislature.mi.gov/(S(mownvr55rusmiw55wzsfic55))/mileg.aspx?page=GetMCLDocument&objectname=mcl-Act-317-of-1969

Information on this page is provided only as a reference. While we strive to mantain accurate information on this site please realize workers compensation laws are complicated and subject to change at any time. If you need help with a workers compensation problem or have a specific situation or question please contact our office. Otherwise please consult your states governing authority or an attorney in your state of residency for assistance.

Contact Us:
WORKERS COMPENSATION CONSULTANT
Voice: (573) 999-6948
Fax: (573) 447-4998
email: rks@workcompconsultant.com

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Michigan Workers Compensation Laws

Workers compensation policy information for the State of Michigan