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Employers and Business Owners
Nearly all employers in Michigan are subject to the Workers' Disability Compensation Act. The law requires that every covered employer must provide some way of assuring that benefits are paid to its workers if they become injured while on the job. Most employers do this by purchasing an insurance policy from a private insurance company. However, some employers are granted self-insured status, and others join a group fund.
If a worker is injured on the job, you must ensure that reasonable and necessary medical treatment is provided promptly. Report all claims to your insurance carrier. Filing a form WC-100 with the Workers' Disability Compensation Agency and your insurance carrier is required whenever there is disability exceeding seven consecutive days, death, or specific loss.
For information on insurance coverage requirements and exclusions, call our Insurance Compliance Division at 517-284-8922.
For information on self-insurance and group funds, call our Self-Insured Programs Division at 517-284-8939.
Compensation Advisory Organization of Michigan (CAOM): For information about workers' compensation insurance policy classification codes and experience modification factors; and Michigan Workers' Compensation Placement Facility/Assigned Risk Pool.