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  1. #1
    answer Guest


    does anybody know what the law is on how many people you have to have employed to carry WC by law. And if you are the only employee or self-employed, i know that you don't have to carry WC by law but if you get injured on the job could your health care company say that wc was available to you so we will now not pay the claim.

  2. #2
    anonymous Guest


    Under Michigan comp law all private employers must have workers

  3. #3
    answer Guest


    Ok Thanks. Now what about a self employed individual with no employees. He is not required to carry workmans comp but if he is injured on the job is workmans comp available to him. and how would the health care provider look at this, if you know. thank you.

  4. #4
    anonymous Guest


    Workers comp coverage is not available to employers unless they are covered employee of the corporation or partnership.

  5. #5
    relsmom Guest


    If you are self employed and a sole-proprietor, then you must have purchased a policy to be covered under workers comp. If you are self employed and have other employees, you must purchase a policy for them, but can exclude yourself from coverage. But, if you exclude yourself, then if you have an accident, you would not be covered. Group health would most likely pick up your medical bills (subject to your policy limits and deductibles), but you would not obtain any wage loss benefits. You may want to talk over all of the possibilities with your insurance agent. Good Luck

  6. #6
    answer Guest


    Ok. If you have health insurance, which would be an individual policy not a group, and you were sole prop with no employees and were injured on the job, could the health insurance company deny your claim and say that even though you are not required to carry workmans comp on yourself it is available to you, so we will not cover your claim because why would we cover you under our plan when there is another type of insurance out there to cover you with. If you look at this closely it is a grey area with some health insurance company's. I am hoping for a clear answer if anybody knows. It is probably more of a health question than a workmans comp but they do tie in together when it comes to self employed. Thank you for your input.

  7. #7
    a Guest



    It's been our understanding that if you work for yourself or own a business, you may not BE covered by WC. Sole proprietors, partners, and Officers of closely held corporations are generally NOT considered "Employees".

    A Lawyer however, may be able to tell you if you will have the right to file a Claim in either a Federal or Civil court. It may be well worth your time to look into that as a possible option.

    In addition, have you considered obtaining a policy for LTD Coverage ? Incidentally, I would imagine that your Individual Poicy with the Health Care Organization would encounter some problems in not providing you Medical treatment in the unfortunate event of a job related incident, especially if they were advised of the Sole Proprietorship issues during the initial phase of your enrollment process with them.

    I wish that I could offer a clearer answer, but will hope that this has been of some help to you. May you enjoy continued success in your venture!

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