Michigan Residential Builders License Practice Test

What should a worker do if they do not wish to be covered by workers' compensation?

1. Notify the employer

2. Obtain a waiver form

3. Quit their job

4. File a lawsuit

The correct answer is: Obtain a waiver form

A worker who does not wish to be covered by workers' compensation should obtain a waiver form. This is because in Michigan, workers' compensation is designed to provide benefits to employees injured on the job, but there are certain conditions under which an employee may opt out of such coverage. The process usually requires formal documentation, such as a waiver, which legally indicates that the employee understands the risks associated with waiving coverage and agrees to forgo the benefits provided by the workers' compensation system. By obtaining a waiver form, the employee ensures that they have taken the necessary steps to formally refuse coverage. This is important not only for their legal protection but also to prevent misunderstandings regarding their rights and responsibilities should an injury occur while they are performing their job duties. The waiver should clearly articulate their decision, as well as any implications it may have in terms of potential liabilities or lack of benefits in case of work-related injuries. The other options may not fulfill the legal requirements set forth by the state regarding workers' compensation coverage. Simply notifying the employer, quitting the job, or filing a lawsuit does not address the necessary legal protocols to officially opt out of the workers' compensation system. Obtaining a waiver form is the correct and formalized method for a worker who wishes