Michigan Workers' Comp Benefits Calculator 2026
Injured at work in Michigan? You may be entitled to workers' compensation benefits. Michigan pays 80.0% of your average weekly wage as a weekly benefit, up to a maximum of $1,144/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Michigan pays 80% of after-tax wages, among the highest rates. Benefits can last up to 520 weeks for total disability.
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Optional — helps calculate your waiting period start date.
Your gross wages for the 13 weeks before injury, divided by 13. Include overtime, bonuses, and tips if they were regular.
Michigan Workers' Comp Maximum Weekly Benefit 2026
The Michigan maximum weekly workers' compensation benefit for 2026 is $1,144 per week. Michigan is unique: it pays 80% of your after-tax average weekly wage — the highest benefit rate of any state in the US. The minimum weekly benefit is $229.
Michigan TTD benefits can last up to 520 weeks (10 years) — also the longest duration in the country. Michigan workers' comp benefits are tax-free.
Michigan Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $1,144/week |
| Minimum Weekly Benefit | $229/week |
| Benefit Rate | 80.0% of AWW |
| Waiting Period | 7 days |
| Retroactive After | 14 days |
| Filing Deadline | 730 days from injury |
| Max Duration (TTD) | 520 weeks |
| State Average Weekly Wage | $1,144/week |
| WC Board Phone | 1-888-396-5041 |
Source: Michigan Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Michigan: Key Numbers for 2026
State Avg Weekly Wage
$1,144
Max Weekly Benefit
$1,144
Benefit Rate
80.0%
Max Duration
520w
Common Workplace Injuries in Michigan — Average Compensation
Based on Michigan's average weekly wage of $1,144 and the state's 80.0% benefit rate, here are estimated compensation ranges for the most common workplace injuries:
| Injury Type | Avg Medical Cost | Avg Lost Wages | Typical Total |
|---|---|---|---|
| Back / Spine Injury | $15,808 | $27,456 | $43,264 |
| Shoulder Injury | $12,896 | $20,134 | $33,030 |
| Knee Injury | $11,232 | $16,474 | $27,706 |
| Neck / Whiplash | $9,568 | $14,643 | $24,211 |
| Carpal Tunnel / Wrist | $5,824 | $10,067 | $15,891 |
| Fracture (Arm/Leg) | $7,696 | $12,813 | $20,509 |
| Head / Concussion | $14,352 | $21,965 | $36,317 |
Estimates based on Michigan 2026 workers' comp benefit rate (80.0% of AWW, capped at $1,144/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Michigan?
In Michigan, workers' comp pays 80.0% of your average weekly wage, up to a maximum of $1,144/week. The minimum weekly benefit is $229/week.Michigan has a 7-day waiting period before benefits begin, and TTD benefits can last up to 520 weeks.
Michigan Workers' Compensation Rates 2026
Workers' comp insurance rates in Michigan vary by industry and job classification. Here are estimated rates per $100 of payroll:
| Job Category | Rate per $100 Payroll |
|---|---|
| Office / Clerical | $0.25 |
| Restaurant / Food Service | $1.50 |
| Healthcare / Nursing | $1.75 |
| Manufacturing | $2.50 |
| Trucking / Delivery | $4.50 |
| Construction (General) | $6.50 |
| Roofing | $12.00 |
Rates are estimates and vary by insurer, experience modifier, and specific classification code. Contact your insurance carrier for exact quotes.
How Much Does Workers Comp Cost Employers in Michigan?
The cost of workers compensation insurance in Michigan depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Michigan businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $360 |
| Retail / Sales | $880 |
| Restaurant / Food Service | $1,560 |
| Healthcare | $1,820 |
| Manufacturing | $2,910 |
| Warehouse / Logistics | $4,000 |
| Construction (General) | $5,720 |
| Roofing (Highest Class) | $13,000 |
*Per-employee estimate based on Michigan's average weekly wage of $1,144. Your actual cost varies by carrier, experience modifier, and specific class code.
Need an exact quote? Our workers comp insurance cost calculator estimates your premium based on state, industry, payroll, employee count, and experience modifier.
How Workers' Comp Benefits Are Calculated in Michigan
In Michigan, workers' comp benefits are 80% of your after-tax average weekly wage, making Michigan one of the most generous states. The maximum weekly benefit is $1,144 and the minimum is $229. If you earn $1,200 per week gross, your after-tax wage might be around $960. Your benefit would be $960 x 80% = $768 per week.
Michigan has a 7-day waiting period. If your disability lasts more than 14 days, those first 7 days are paid retroactively. Temporary total disability benefits can last up to an exceptional 520 weeks (10 years), one of the longest durations in the country.
Michigan's combination of the 80% benefit rate and 520-week maximum makes it one of the most worker-friendly states for workers' comp. Benefits are tax-free.
Michigan Workers' Comp Laws You Must Know
- •All employers in Michigan with 1 or more employees must carry workers' comp insurance.
- •Michigan pays 80% of after-tax average weekly wage.
- •TTD benefits in Michigan can last up to 520 weeks (10 years), one of the longest in the nation.
- •Employees in Michigan can choose their own treating physician.
- •Michigan has a 2-year statute of limitations for filing claims.
- •Michigan provides wage loss benefits and medical benefits separately.
- •Employers cannot discriminate against workers who file claims in Michigan.
How to File a Workers' Comp Claim in Michigan
- 1Report your injury to your employer within 90 days. The sooner you report, the better for your claim.
- 2See a doctor of your choosing. Michigan allows you to pick your own physician.
- 3Your employer must report the injury to their insurer and the Michigan Workers' Compensation Agency.
- 4The insurer has 21 days to accept or deny the claim. Benefits start after the 7-day waiting period if approved.
- 5If denied, you can file a petition with the Michigan Workers' Compensation Agency at 1-888-396-5041.
Need help filing? Visit the Michigan Workers' Comp Board or call 1-888-396-5041 for assistance.
Special Rules in Michigan
- ⚠80% of after-tax average weekly wage
- ⚠Employers with 1+ employee must have coverage
- ⚠Employee can choose own doctor
- ⚠2-year statute of limitations
- ⚠Up to 520 weeks of benefits
Average Workers' Comp Settlement in Michigan
Settlement amounts in Michigan vary widely based on injury severity, disability rating, and medical costs. Workers with minor sprains typically settle for $10,000–$30,000, while those with herniated discs or surgical injuries can receive $50,000–$200,000 or more. Use our settlement calculator to estimate your specific case.
Related Resources
Settlement Calculator
Estimate your workers' comp settlement amount
Average Settlement Amounts
See average settlements by injury type and state
How Benefits Are Calculated
Step-by-step formula with examples
Claim Denied?
What to do if your workers' comp is denied
Last updated: April 2026. Data sourced from the Michigan Workers' Compensation Board.
Find a Workers' Comp Attorney in Michigan
Need Legal Help With Your Michigan Claim?
If your claim was denied, your employer is disputing your injury, or you need help negotiating a fair settlement, a workers' comp attorney can help. Most offer free consultations and work on contingency — you pay nothing unless you win.
External link to Avvo attorney directory. WorkCompCalc does not endorse or recommend specific attorneys. Always research and interview attorneys before hiring.
Michigan Workers' Comp FAQ
Michigan pays 80% of after-tax wages, among the highest rates. Benefits can last up to 520 weeks for total disability.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in Michigan change frequently. Consult a licensed workers' compensation attorney in Michigan for advice about your specific situation. Actual benefits depend on your employer's insurance carrier, the nature of your injury, and state law. Data sourced from the Michigan Workers' Compensation Board. Last updated: January 2026.
Medical disclaimer: Information on this page is for educational purposes only. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.