How much is a thumb injury worth in Michigan workers' comp?
In Michigan, a thumb injury is worth up to $78,065 for total loss (65 weeks, at the $1,201 weekly maximum). Michigan pays this award only for amputation or total loss of use; with a $1,200 after-tax weekly wage, it is $62,400. That is the statutory award for the permanent injury; medical care and benefits while you are off work are paid separately.
How a thumb injury is paid in Michigan
Each week is paid at 80% of your average weekly wage after taxes (spendable earnings), up to $1,201 a week.
Michigan pays scheduled awards only for amputation or total (permanent) loss of use. Partial loss of use is paid through wage-loss benefits instead.
What is different in Michigan
Michigan has no impairment-rating PPD award: the specific-loss schedule pays a fixed number of weeks at the weekly comp rate for amputation or loss of use of listed members, and everything else is paid only as wage-loss benefits.
Worked examples
| Rating | $800 after-tax weekly wage | $1,200 after-tax weekly wage | $1,600 after-tax weekly wage |
|---|---|---|---|
| 100% loss of use | $41,600 | $62,400 | $78,065 |
Calculate your thumb award
Compare only the same benefit component on the same gross basis. If an offer includes medical care, temporary benefits or other rights, do not enter it here. The balance subtracts payments for this same benefit only, not fees or other offsets.
The result is the statutory permanent award only. Medical care, temporary benefits and fees are not included. Use the exact rating from the medical report: a body-part rating and a whole-person rating are not interchangeable.
Thumb injuries: check loss of use versus amputation
Request the report describing the thumb joint or amputation level, remaining motion and ability to pinch. Total loss and partial loss of use are different inputs. Check the thumb-specific rule below; a thumb rating should not be substituted for a hand or whole-person rating without the required conversion.
Settlement value vs. the statutory award
The statutory benefit described here and a settlement value are different figures. Request an itemized proposal identifying the benefits included, amounts already paid, deductions, future medical treatment and rights being resolved. Which benefits can be settled and what approval is required depend on state rules. This page does not calculate future medical costs or predict a negotiated outcome.
Michigan vs. neighboring states
| State | How a thumb injury is paid | Max for total loss |
|---|---|---|
| Michigan | 65 weeks | $78,065 |
| Indiana | 12 degrees | $24,094 |
| Ohio | 60 weeks | $76,860 |
| Wisconsin | 160 weeks | $72,640 |
"Max for total loss" applies to body-part schedules at the top weekly rate. Compare all 50 states and D.C.
While you recover: temporary disability in Michigan
Weekly temporary benefits while you cannot work follow these rules:
| Weekly rate | 80% of after-tax (spendable) AWW |
|---|---|
| Maximum weekly benefit | $1,201 (2026-01-01 to 2026-12-31) |
| Minimum weekly benefit | No general minimum (minimums apply only to specific loss and death claims) - secondary |
| Waiting period | Not confirmed |
| Waiting days paid back after | Not confirmed |
| Time limit on temporary benefits | No fixed week limit in statute |
Estimate your weekly check
Assumes temporary total disability and no post-injury work earnings. It does not calculate partial disability, retroactive payments, offsets or special low-wage rules. Confirm the injury date and the insurer's wage calculation.
Frequently asked questions
How much is a thumb injury worth in Michigan workers' comp?
Michigan sets 65 weeks for total loss, up to $78,065 at the top weekly rate.
What is the average workers' comp settlement for a thumb injury in Michigan?
Michigan does not publish an official average settlement. The best benchmark is the statutory award for your rating. A settlement can be higher or lower depending on future medical care, disputed ratings and which other benefits it closes.
What is the maximum weekly workers' comp benefit in Michigan in 2026?
The maximum weekly temporary total disability benefit is $1,201 (2026-01-01 to 2026-12-31).
Which law sets these amounts?
MCL 418.301, 418.311, 418.355, 418.361; MCL 418.301, 418.361. The official sources are linked at the bottom of this page.
Other injuries in Michigan
Law and official sources
Official sources
Statute: MCL 418.301, 418.311, 418.355, 418.361; MCL 418.301, 418.361
- Workers' Disability Compensation Agency (official site)
- michigan.gov/leo/-/media/Project/Websites/leo/Documents/WDCA-Calculation-Program/wca_2026_
- legislature.mi.gov/Laws/MCL?objectName=MCL-418-301
- legislature.mi.gov/Laws/MCL?objectName=mcl-418-355
- codes.findlaw.com/mi/chapter-418-workers-disability-compensation/mi-comp-laws-418-361/
Figures checked September 30, 2026. Maximums change every year; confirm current figures with the Michigan workers' compensation agency.
Estimate only. Your real award depends on your doctor's rating, your wage records, offsets and settlement terms. This page is general information, not legal advice.