How much are Michigan no-fault wage loss benefits?

Michigan no-fault work loss benefits pay 85% of the gross income you would have earned, subject to a maximum monthly amount and payable for up to three years from the date of the accident under MCL 500.3107(1)(b). The maximum is adjusted each October by the Department of Insurance and Financial Services. Critically, the maximum in effect on your accident date continues to apply for your entire three-year benefit period — it does not increase when the annual adjustment occurs. For accidents between October 1, 2025 and September 30, 2026, the maximum is $7,201 per 30-day period.

What are replacement services in Michigan no-fault?

Replacement services are ordinary household tasks you performed before the crash but can no longer do because of your injuries — cooking, cleaning, laundry, childcare, lawn care, snow removal. Michigan no-fault pays up to $20 per day for these services for up to three years from the accident under MCL 500.3107(1)(c). Family members can provide and be paid for them. Daily logs are typically required, and this is one of the most commonly underpaid or ignored benefits in Michigan claims.

Does the Michigan wage loss maximum go up during my claim?

No. The maximum monthly work loss benefit is adjusted each October, but the adjustment applies only to accidents occurring after that date. The maximum in effect at the time of your accident continues to apply for the remainder of your three-year benefit period. This is one of the most common misunderstandings about Michigan no-fault benefits, and it means a calculator using the current year's number will be wrong for most claimants.

Michigan No-Fault Benefits Calculator: Wage Loss, Replacement Services & Deadlines

Your claim

Date of the accident This sets your statutory maximum — it's locked to your accident date, not today's rate

Gross monthly income before the accident Before taxes, including overtime

Months unable to work So far

Days needing household help Replacement services

Total the insurer has paid you so far Wage loss and replacement services only — not medical bills. Optional.

What the statute provides

Enter your accident date and income to see your statutory entitlement. Nothing is submitted — the math happens on this page.

The number most sites get wrong

Maximum monthly work loss benefit, by accident date

Michigan's maximum work loss benefit is adjusted every October by the Department of Insurance and Financial Services. The adjustment applies only to accidents occurring after that date. The maximum in effect when you were injured continues to apply for your entire three-year benefit period — it never increases mid-claim. A calculator that uses this year's figure will be wrong for almost everyone.

Maximum monthly (30-day) work loss and survivors' loss benefit under Michigan's No-Fault Act, by date of accident. Source: annual bulletins of the Michigan Department of Insurance and Financial Services (DIFS), most recently Bulletin 2025-18-INS. Figures current as of August 2026; verify the current bulletin before relying on these amounts.
Accident occurred	Maximum per 30 days
Oct 1, 2026 – Sep 30, 2027	$7,455
Oct 1, 2025 – Sep 30, 2026	$7,201
Oct 1, 2024 – Sep 30, 2025	$7,014
Oct 1, 2023 – Sep 30, 2024	$6,811
Oct 1, 2022 – Sep 30, 2023	$6,615
Oct 1, 2021 – Sep 30, 2022	$6,065
Oct 1, 2020 – Sep 30, 2021	$5,755
Oct 1, 2019 – Sep 30, 2020	$5,718

Why the numbers often don't match

Where these benefits go missing

Replacement services are simply never claimed. Twenty dollars a day sounds small until you multiply it: a year of household help is over $7,000, and three years is more than $21,000. Insurers have no obligation to tell you the benefit exists. Most people find out too late, and the one-year-back rule means old days can't be recovered.

Wage loss gets calculated on the wrong figure. The benefit is 85% of gross income including overtime — not take-home pay, and not base salary if you regularly worked more. Self-employed and variable-income claimants are especially likely to be underpaid.

Payments stop quietly. A carrier cuts off benefits after an independent medical examination and simply stops sending checks. Nothing about that is automatically final — but the clock keeps running while you wait to see what happens.

The paperwork requirement gets used against you. Replacement services generally require dated logs describing the tasks and who performed them. Reconstructing eight months of logs after the fact is far harder than keeping them from week one.

If your numbers don't match what you're being paid: that gap is a first-party claim against your own insurer, and it's a claim we handle on contingency like any other. Bring your benefit statements to a free consultation.

If the math doesn't match, the math is the case.

Underpaid wage loss and unclaimed replacement services are among the most common — and most recoverable — problems in Michigan no-fault claims. A free consultation will tell you what you're owed, what's recoverable, and which deadlines are close. No fee unless we recover for you.

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