How to File a Workers' Comp Claim in Michigan: Forms & Deadlines (2026)

Filing a workers' compensation claim in Michigan involves reporting to your employer and submitting forms to the Workers' Disability Compensation Agency (WDCA).

Step 1: Report Injury to Employer

Deadline: Within 90 days of injury (or knowledge of occupational disease) How: Written or oral notice to supervisor or HR What to include: Date, time, location, how injury occurred

Late reporting: May result in claim denial

Step 2: Employer Files First Report

Form: WC-1 (First Report of Injury) Employer deadline: Within 7 days Filed with: WDCA and insurance carrier

Step 3: Seek Medical Treatment

Provider selection: You may choose your own physician Authorization: No prior authorization required for initial treatment Medical coverage: Begins immediately with no waiting period

Step 4: File Your Claim

When required: If employer/insurer disputes claim or stops benefits Form: Application for Mediation or Hearing Where to file: WDCA How: Online, mail, or in person

Step 5: Claim Processing

Insurer investigation: 30 days to accept or deny Notice: Insurer must notify you and WDCA of decision If accepted: Benefits begin (wage loss after 7-day waiting period) If denied: Proceeds to mediation/hearing

Filing Deadlines

Injury date: 2 years from injury to file claim Occupational disease: 2 years from knowledge of disease and work connection Death benefits: 2 years from death

Critical: Deadline is strict; late claims barred

Common Filing Mistakes

• Missing 90-day employer notice deadline
• Failing to get medical treatment documented
• Not preserving evidence (photos, witness statements)
• Accepting settlement without understanding rights

FAQs

Q: Can I file a claim if my employer doesn't have insurance? A: Yes. File with WDCA. Employers without insurance face penalties, and you can seek benefits from Second Injury Fund.

Q: What if I'm partially at fault for my injury? A: Michigan workers' comp is no-fault. You're covered even if negligent (unless injury from intoxication or intentional self-harm).

Q: Can I file for an old injury? A: Yes, if within 2-year statute of limitations and you can prove work-relatedness.

Q: Do I need a lawyer to file? A: Not required for filing, but recommended if claim is denied or complex.

Q: What if my employer retaliates? A: See Michigan Workers' Comp Retaliation Protections

Related Topics

• Michigan Workers' Comp Benefits
• Michigan Covered Injuries
• Michigan Workers' Compensation Overview

Last updated: January 5, 2026