{"id":3385,"date":"2026-05-16T12:28:56","date_gmt":"2026-05-16T12:28:56","guid":{"rendered":"https:\/\/1844mchahal.com\/michigan-no-fault-wage-loss-benefits-2026-7201-cap\/"},"modified":"2026-05-16T12:28:56","modified_gmt":"2026-05-16T12:28:56","slug":"michigan-no-fault-wage-loss-benefits-2026-7201-cap","status":"publish","type":"post","link":"https:\/\/1844mchahal.com\/pa\/michigan-no-fault-wage-loss-benefits-2026-7201-cap\/","title":{"rendered":"Michigan No-Fault Wage Loss Benefits: The 2026 $7,201 Cap"},"content":{"rendered":"<style>\n.kb-wrap{font-family:'Inter',system-ui,sans-serif;color:#1f2937!important;line-height:1.75;max-width:920px;margin:32px auto;padding:48px 32px;background:#fff!important;border-radius:18px;box-shadow:0 12px 40px rgba(0,0,0,0.10);}\n.kb-wrap .kb-eyebrow,.kb-eyebrow{display:inline-block;font-size:12px!important;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:#0b1220!important;background:#fbbf24!important;padding:6px 14px;border-radius:999px;margin-bottom:14px;}\n.kb-wrap .kb-h1,.kb-h1{font-size:clamp(28px,3.6vw,42px)!important;font-weight:800;line-height:1.15;margin:0 0 14px;color:#0b1220!important;font-family:Georgia,serif;letter-spacing:-0.4px;}\n.kb-wrap .kb-meta,.kb-meta{color:#000!important;font-size:14px!important;margin:0 0 28px;font-weight:600;}\n.kb-wrap .kb-lead,.kb-lead{font-size:18px!important;color:#000!important;line-height:1.75;margin:0 0 24px;font-weight:500;}\n.kb-wrap .kb-h2,.kb-h2{font-size:24px!important;font-weight:800;color:#0b1220!important;margin:36px 0 12px;font-family:Georgia,serif;}\n.kb-wrap .kb-h3,.kb-h3{font-size:19px!important;font-weight:700;color:#0b1220!important;margin:24px 0 10px;}\n.kb-wrap p{font-size:16px!important;color:#1f2937!important;margin:0 0 14px;}\n.kb-wrap ul,.kb-wrap ol{font-size:16px!important;color:#1f2937!important;margin:0 0 16px;padding-left:22px;}\n.kb-wrap li{margin:6px 0;color:#1f2937!important;}\n.kb-wrap .kb-cta,.kb-cta{background:linear-gradient(135deg,#0b1220 0%,#1e293b 100%)!important;color:#fff!important;border-radius:14px;padding:28px;text-align:center;margin:32px 0 8px;}\n.kb-wrap .kb-cta h3,.kb-cta h3{color:#fff!important;margin:0 0 10px;font-size:22px!important;}\n.kb-wrap .kb-cta p,.kb-cta p{color:#cbd5e1!important;margin:0 0 18px;}\n.kb-wrap .kb-cta a.btn,.kb-cta a.btn{display:inline-block;background:#fbbf24!important;color:#0b1220!important;padding:14px 28px;border-radius:10px;font-weight:800;text-decoration:none;letter-spacing:.04em;}\n.kb-wrap .kb-table,.kb-table{width:100%;border-collapse:collapse;margin:18px 0 24px;font-size:15px;}\n.kb-wrap .kb-table th,.kb-table th{background:#0b1220!important;color:#fff!important;padding:12px 14px;text-align:left;font-weight:700;}\n.kb-wrap .kb-table td,.kb-table td{padding:12px 14px;border-bottom:1px solid #e2e8f0;color:#1f2937!important;vertical-align:top;}\n.kb-wrap .kb-table tr:nth-child(even) td{background:#f8fafc!important;}\n.kb-wrap .kb-faq,.kb-faq{border-top:1px solid #e2e8f0;padding-top:24px;margin-top:32px;}\n.kb-wrap .kb-cite,.kb-cite{font-size:14px!important;color:#475569!important;background:#f1f5f9!important;padding:14px 18px;border-left:4px solid #fbbf24;margin:18px 0;border-radius:0 10px 10px 0;}\n.kb-wrap .kb-related,.kb-related{background:#f8fafc!important;border:1px solid #e2e8f0;border-radius:12px;padding:18px 22px;margin:24px 0;}\n.kb-wrap .kb-related h4,.kb-related h4{margin:0 0 10px;color:#0b1220!important;font-size:16px!important;}\n.kb-wrap .kb-related a,.kb-related a{color:#1d4ed8!important;text-decoration:none;font-weight:600;}\n<\/style>\n<div class=\"kb-wrap\">\n<span class=\"kb-eyebrow\">Knowledge Base &middot; No-Fault &amp; PIP<\/span><\/p>\n<h1 class=\"kb-h1\">Michigan No-Fault Wage Loss Benefits: The 2026 $7,201 Cap<\/h1>\n<p class=\"kb-meta\">\u0a10\u0a21\u0a35\u0a4b\u0a15\u0a47\u0a1f \u0a2e\u0a48\u0a28\u0a40 \u0a1a\u0a3e\u0a39\u0a32 \u0a26\u0a41\u0a06\u0a30\u0a3e \u00b7 \u0a2e\u0a08 2026 \u0a28\u0a42\u0a70 \u0a05\u0a71\u0a2a\u0a21\u0a47\u0a1f \u0a15\u0a40\u0a24\u0a3e \u0a17\u0a3f\u0a06 \u00b7 \u0a2a\u0a5c\u0a4d\u0a39\u0a28 \u0a26\u0a3e \u0a38\u0a2e\u0a3e\u0a02: ~8 \u0a2e\u0a3f\u0a70\u0a1f<\/p>\n<p class=\"kb-lead\">If a Michigan auto accident has kept you off the job, your no-fault carrier owes you wage loss benefits under <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-500-3107\">\u0a10\u0a2e\u0a38\u0a40\u0a10\u0a32 500.3107(1)(\u0a2c\u0a40)<\/a>. The benefit pays 85% of your lost income, runs for up to three years from the date of the crash, and is capped at $7,201 per month for accidents occurring between October 1, 2025 and September 30, 2026. The numbers sound simple. The fight over what counts as &ldquo;income&rdquo; is anything but.<\/p>\n<h2 class=\"kb-h2\">The Three Numbers That Drive Every Wage Loss Claim<\/h2>\n<p>Michigan no-fault work loss benefits sit on three statutory pillars. Miss any one of them and the carrier will short-pay you. Master them and you can model your claim before you ever pick up the phone with an adjuster.<\/p>\n<p><strong>1. The 85% rate.<\/strong> MCL 500.3107(1)(b) caps recoverable work loss at 85% of gross wages, including overtime, that the injured person would have earned during the disability period. The 15% haircut exists because PIP benefits are not taxable &mdash; 85% of gross approximates 100% of net for most W-2 earners.<\/p>\n<p><strong>2. The three-year cap.<\/strong> The same subsection limits compensable work loss to income lost during the first 36 months after the accident. Once the clock expires the carrier&#8217;s obligation ends, even if the claimant remains permanently disabled. Earning capacity beyond three years must be pursued through a third-party tort claim under <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-500-3135\">\u0a10\u0a2e\u0a38\u0a40\u0a10\u0a32 500.3135<\/a>.<\/p>\n<p><strong>3. The monthly maximum.<\/strong> Work loss is also subject to a flat monthly dollar cap that the Department of Insurance and Financial Services (DIFS) adjusts every October. The cap is fixed by the date of the accident &mdash; not the claim date or trial date.<\/p>\n<div class=\"kb-cite\"><strong>The current maximum:<\/strong> For accidents occurring between October 1, 2025 and September 30, 2026, the monthly wage loss cap is $7,201 (DIFS Bulletin 2025-18-INS). For accidents in the prior year (October 1, 2024 through September 30, 2025), the cap was $6,811.<\/div>\n<h2 class=\"kb-h2\">How the Monthly Cap Has Climbed<\/h2>\n<p>Every October 1, DIFS publishes a new bulletin setting the next 12 months&#8217; work loss and survivor&#8217;s loss maximums. The adjustment is keyed to the change in the state&#8217;s average weekly wage. For accident victims, the practical takeaway is that high earners with old accidents are locked into a lower cap than today&#8217;s headline number suggests.<\/p>\n<table class=\"kb-table\">\n<thead>\n<tr>\n<th>Policy year (accident date)<\/th>\n<th>Monthly wage loss cap<\/th>\n<th>Year-over-year change<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Oct 1, 2022 &ndash; Sep 30, 2023<\/td>\n<td>$6,304<\/td>\n<td>&mdash;<\/td>\n<\/tr>\n<tr>\n<td>Oct 1, 2023 &ndash; Sep 30, 2024<\/td>\n<td>$6,615<\/td>\n<td>+4.9%<\/td>\n<\/tr>\n<tr>\n<td>Oct 1, 2024 &ndash; Sep 30, 2025<\/td>\n<td>$6,811<\/td>\n<td>+3.0%<\/td>\n<\/tr>\n<tr>\n<td>Oct 1, 2025 &ndash; Sep 30, 2026<\/td>\n<td>$7,201<\/td>\n<td>+5.7%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Always confirm the operative cap with the current DIFS bulletin before filing or settling a claim.<\/p>\n<h2 class=\"kb-h2\">The 85% Calculation Is Not As Obvious As It Looks<\/h2>\n<p>Carriers routinely under-pay wage loss because they slice off too many earnings categories before applying the 85% factor. The statute says &ldquo;loss of income from work an injured person would have performed.&rdquo; That phrase is broad on purpose.<\/p>\n<h3 class=\"kb-h3\">Gross wages, overtime, bonuses, and tips<\/h3>\n<p>Michigan courts read gross wages broadly: overtime, holiday pay, shift differentials, and regularly worked second jobs all count toward the 85% calculation, up to the monthly cap. Bonuses and commissions also count when a historical pattern (typically two to three years of W-2s, 1099s, or pay stubs) shows the claimant would have earned them but for the accident. Reported tips for servers, bartenders, ride-share drivers, and hair stylists are included on the same evidentiary basis &mdash; carriers will demand IRS documentation, and under-reported income is hard to defend.<\/p>\n<h2 class=\"kb-h2\">Self-Employed Claimants: The <em>Adams<\/em> Problem<\/h2>\n<p>If you own your own business, the 85% rule does not apply to gross receipts. The leading Court of Appeals decision is <em>Adams v Auto Club Insurance Association<\/em>, 154 Mich App 186 (1986), where a self-employed cosmetologist was paid 85% of his gross daily receipts for a year before the carrier reversed course and clawed back the &ldquo;overpayment.&rdquo; The Court of Appeals held that the proper benefit base is net earnings, and that the question of which business expenses come off the top is a fact-specific inquiry.<\/p>\n<div class=\"kb-cite\"><strong><em>Adams<\/em> Rule:<\/strong> Wage loss for a self-employed person equals 85% of net profit, not 85% of gross revenue. But not every Schedule C deduction is automatically subtracted &mdash; expenses that would have continued accruing during the disability period (rent, equipment leases, utilities) may stay on the income side of the calculation.<\/div>\n<p>The math matters. A consultant grossing $250,000 with $80,000 in expenses nets $170,000; at 85%, that is roughly $12,041 per month and the cap controls. A tradesperson grossing $120,000 with $70,000 in materials expenses nets only $50,000; at 85%, that is roughly $3,542 per month and the cap is irrelevant. Carriers know the math. Claimants often do not.<\/p>\n<h2 class=\"kb-h2\">Temporarily Unemployed at the Time of the Accident<\/h2>\n<p>What if you were between jobs when the crash happened? Michigan law has a specific answer: <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-500-3107a\">MCL 500.3107a<\/a> directs that work loss for a temporarily unemployed claimant be measured by earned income from the last month of full-time employment before the accident.<\/p>\n<p>The statute does not define &ldquo;temporarily unemployed.&rdquo; Courts look at the length of unemployment, the reason for it, the claimant&#8217;s work history, and objective evidence of intent to return (job applications, interviews, training programs). A claimant actively job-hunting with a recent employment record usually qualifies. Someone who voluntarily exited the workforce a year earlier generally does not.<\/p>\n<h2 class=\"kb-h2\">The Three Deadlines That Will Kill a Wage Loss Claim<\/h2>\n<p>Wage loss benefits are not paid automatically. They have to be claimed &mdash; and the claim has to satisfy three different timing rules in <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-500-3145\">\u0a10\u0a2e\u0a38\u0a40\u0a10\u0a32 500.3145<\/a>.<\/p>\n<ul>\n<li><strong>One-year notice.<\/strong> An injured person must give the no-fault carrier written notice of the accident within one year of the crash, identifying the time, place, and nature of the injury. Miss this and the benefits are forfeited.<\/li>\n<li><strong>One-year-back limit on recoverable loss.<\/strong> Even if you sue on time, you cannot recover any portion of wage loss incurred more than one year before the lawsuit was filed. This is the rule that quietly destroys late-filed claims even when the &ldquo;statute of limitations&rdquo; technically has not expired.<\/li>\n<li><strong>Tolling during pending claim.<\/strong> Both periods are tolled from the date a specific claim for benefits is submitted to the carrier until the date the carrier issues a formal written denial. The tolling rule was clarified by the Michigan Supreme Court in <em>Spine Specialists of Michigan v MemberSelect Insurance Co<\/em> in 2024.<\/li>\n<\/ul>\n<p>The interaction is unforgiving. A wage loss suit filed two years post-accident, without a prior written claim to the insurer, can be &ldquo;timely&rdquo; under the limitations statute yet recover only one year of past wages.<\/p>\n<h2 class=\"kb-h2\">Pre-2019 Accidents and the <em>\u0a05\u0a70\u0a26\u0a30\u0a47<\/em> Carve-Out<\/h2>\n<p>The 2019 no-fault overhaul (2019 PA 21 and 2019 PA 22) made structural changes to PIP medical benefits but did not directly amend the wage loss formula. Where the reform does matter is the carve-out the Michigan Supreme Court announced in <em>\u0a05\u0a24\u0a47 \u0a05\u0a70\u0a26\u0a30 USAA \u0a15\u0a48\u0a1c\u0a3c\u0a41\u0a05\u0a32\u0a1f\u0a40 \u0a07\u0a70\u0a38\u0a3c\u0a4b\u0a30\u0a48\u0a02\u0a38 \u0a15\u0a70\u0a2a\u0a28\u0a40<\/em>, 512 Mich __ (Docket No. 164772, decided July 31, 2023). <em>\u0a05\u0a70\u0a26\u0a30\u0a47<\/em> held that the 2019 amendments to the fee schedule and family attendant care rules do not apply retroactively to insureds whose policies were in force before the amendments took effect.<\/p>\n<p>For wage loss claims the practical result is that older accident files remain governed by pre-2019 rules. The 85% \/ three-year \/ monthly-cap structure is unchanged, but other PIP components on the file may diverge sharply from a 2026 accident.<\/p>\n<div class=\"kb-related\">\n<h4>\u0a38\u0a2c\u0a70\u0a27\u0a24 \u0a17\u0a3f\u0a06\u0a28-\u0a05\u0a27\u0a3e\u0a30\u0a3f\u0a24 \u0a32\u0a47\u0a16<\/h4>\n<p><a href=\"\/pa\/%e0%a8%ae%e0%a8%bf%e0%a8%b8%e0%a8%bc%e0%a9%80%e0%a8%97%e0%a8%a8-%e0%a8%a8%e0%a9%8b-%e0%a8%ab%e0%a8%be%e0%a8%b2%e0%a8%9f-%e0%a8%aa%e0%a9%80%e0%a8%86%e0%a8%88%e0%a8%aa%e0%a9%80-%e0%a8%a1%e0%a9%88\/\">2026 \u0a35\u0a3f\u0a71\u0a1a \u0a2e\u0a3f\u0a38\u0a3c\u0a40\u0a17\u0a28 \u0a28\u0a4b-\u0a2b\u0a3e\u0a32\u0a1f PIP \u0a2e\u0a3f\u0a06\u0a26: \u0a07\u0a71\u0a15 \u0a38\u0a3e\u0a32 \u0a2a\u0a3f\u0a71\u0a1b\u0a47 \u0a1c\u0a3e\u0a23 \u0a26\u0a3e \u0a28\u0a3f\u0a2f\u0a2e<\/a> \u00b7 <a href=\"\/pa\/%e0%a8%ae%e0%a8%bf%e0%a8%b8%e0%a8%bc%e0%a9%80%e0%a8%97%e0%a8%a8-%e0%a8%ab%e0%a9%88%e0%a8%ae%e0%a8%bf%e0%a8%b2%e0%a9%80-%e0%a8%85%e0%a8%9f%e0%a9%88%e0%a8%82%e0%a8%a1%e0%a9%88%e0%a8%82%e0%a8%9f\/\">\u0a2e\u0a3f\u0a38\u0a3c\u0a40\u0a17\u0a28 \u0a2b\u0a48\u0a2e\u0a3f\u0a32\u0a40 \u0a05\u0a1f\u0a48\u0a02\u0a21\u0a48\u0a02\u0a1f \u0a15\u0a47\u0a05\u0a30: 56-\u0a18\u0a70\u0a1f\u0a47 \u0a26\u0a40 \u0a38\u0a40\u0a2e\u0a3e \u0a05\u0a24\u0a47 \u0a35\u0a3e\u0a1c\u0a3f\u0a2c \u0a26\u0a30<\/a> \u00b7 <a href=\"\/pa\/%e0%a8%ae%e0%a8%bf%e0%a8%b8%e0%a8%bc%e0%a9%80%e0%a8%97%e0%a8%a8-%e0%a8%a8%e0%a9%8b-%e0%a8%ab%e0%a8%be%e0%a8%b2%e0%a8%9f-%e0%a8%b0%e0%a8%bf%e0%a8%b8%e0%a8%bf%e0%a8%b8%e0%a8%bc%e0%a8%a8-%e0%a8%b8\/\">\u0a38\u0a3c\u0a30\u0a2e\u0a28 \u0a2c\u0a28\u0a3e\u0a2e \u0a2a\u0a4d\u0a30\u0a4b\u0a17\u0a30\u0a48\u0a38\u0a3f\u0a35 (2026) \u0a24\u0a4b\u0a02 \u0a2c\u0a3e\u0a05\u0a26 \u0a2e\u0a3f\u0a38\u0a3c\u0a40\u0a17\u0a28 \u0a28\u0a4b-\u0a2b\u0a3e\u0a32\u0a1f \u0a30\u0a71\u0a26\u0a17\u0a40<\/a> \u00b7 <a href=\"\/pa\/%e0%a8%ae%e0%a8%bf%e0%a8%b8%e0%a8%bc%e0%a9%80%e0%a8%97%e0%a8%a8-%e0%a8%b8%e0%a9%80%e0%a8%b0%e0%a9%80%e0%a8%85%e0%a8%b8-%e0%a8%87%e0%a8%ae%e0%a8%aa%e0%a9%87%e0%a8%85%e0%a8%b0%e0%a8%ae%e0%a9%88%e0%a8%82\/\">\u0a2e\u0a48\u0a15\u0a15\u0a4b\u0a30\u0a2e\u0a3f\u0a15 \u0a24\u0a4b\u0a02 \u0a2c\u0a3e\u0a05\u0a26 \u0a2e\u0a3f\u0a38\u0a3c\u0a40\u0a17\u0a28\/\u0a2e\u0a3f\u0a38\u0a3c\u0a40\u0a17\u0a28 \u0a26\u0a47 \u0a17\u0a70\u0a2d\u0a40\u0a30 \u0a28\u0a41\u0a15\u0a38\u0a3e\u0a28 \u0a26\u0a40 \u0a25\u0a4d\u0a30\u0a48\u0a38\u0a3c\u0a39\u0a4b\u0a32\u0a21\/\u0a38\u0a40\u0a2e\u0a3e<\/a><\/p>\n<\/div>\n<h2 class=\"kb-h2\">What the Insurer Will Demand &mdash; and What You Should Provide<\/h2>\n<p>Wage loss claims are paper claims. Adjusters approve what they can verify and deny what they cannot. The following documentation set typically supports a clean payout:<\/p>\n<ul>\n<li><strong>Application for benefits<\/strong> filed within one year of the accident, identifying wage loss as a claimed loss.<\/li>\n<li><strong>Wage verification from the employer<\/strong>, supplemented with 12 months of pre-accident pay stubs.<\/li>\n<li><strong>Two to three years of federal tax returns<\/strong> &mdash; W-2s, 1040s, and Schedule C for the self-employed.<\/li>\n<li><strong>A specific off-work slip<\/strong> from the treating physician tying the restriction to the claimant&#8217;s actual job duties. Open-ended &ldquo;light duty&rdquo; language invites a carrier to cut off benefits.<\/li>\n<\/ul>\n<p>Where the carrier refuses, the remedy is a first-party lawsuit under MCL 500.3142 for unpaid benefits plus 12% statutory interest on overdue payments, with attorney fees available under MCL 500.3148(1) where the refusal is unreasonable. The insurer has 30 days from each submitted claim to pay or deny.<\/p>\n<h2 class=\"kb-h2\">Coordination with Other Benefits<\/h2>\n<p>Wage loss benefits do not stand alone. Workers&#8217; compensation, when applicable, is the primary payer and offsets the no-fault carrier dollar-for-dollar. A coordinated short- or long-term disability policy under MCL 500.3109a pushes no-fault to excess. Social Security Disability runs in parallel without coordination. Wage loss <em>beyond<\/em> the first three years and <em>above<\/em> the monthly cap remains recoverable in the third-party tort claim against the at-fault driver, subject to comparative fault under <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-600-6304\">\u0a10\u0a2e\u0a38\u0a40\u0a10\u0a32 600.6304<\/a> and the serious impairment threshold of MCL 500.3135. For broader context, see our overviews of <a href=\"\/pa\/%e0%a8%a8%e0%a8%bf%e0%a9%b1%e0%a8%9c%e0%a9%80-%e0%a8%b8%e0%a9%b1%e0%a8%9f\/\">Michigan personal injury<\/a> claims and <a href=\"\/pa\/%e0%a8%ae%e0%a8%bf%e0%a8%b8%e0%a8%bc%e0%a9%80%e0%a8%97%e0%a8%a8-%e0%a8%a8%e0%a9%8b-%e0%a8%ab%e0%a8%be%e0%a8%b2%e0%a8%9f-%e0%a8%ac%e0%a9%80%e0%a8%ae%e0%a8%be\/\">\u0a2e\u0a3f\u0a38\u0a3c\u0a40\u0a17\u0a28 \u0a28\u0a4b-\u0a2b\u0a3e\u0a32\u0a1f \u0a2c\u0a40\u0a2e\u0a3e<\/a>.<\/p>\n<h2 class=\"kb-h2\">\u0a05\u0a15\u0a38\u0a30 \u0a2a\u0a41\u0a71\u0a1b\u0a47 \u0a1c\u0a3e\u0a02\u0a26\u0a47 \u0a38\u0a35\u0a3e\u0a32<\/h2>\n<div class=\"kb-faq\">\n<h3 class=\"kb-h3\">Can I get wage loss if I am paid in cash or under the table?<\/h3>\n<p>You can claim it, but you must prove it. Carriers require documentation of pre-accident earnings &mdash; bank deposits, customer affidavits, and tax returns. Under-reported income to the IRS reduces claim value sharply and creates separate tax exposure.<\/p>\n<h3 class=\"kb-h3\">My employer is still paying me sick or vacation time. Do I still get wage loss?<\/h3>\n<p>Yes, but the carrier may set off earned wage continuation or sick pay against its benefit. Employer-paid disability supplements and accrued PTO are treated differently &mdash; document each category separately.<\/p>\n<h3 class=\"kb-h3\">How does the monthly cap interact with the 85% rate?<\/h3>\n<p>Apply the 85% rate first to your gross monthly wages, then compare the result to the cap. If 85% of your gross is below the cap, you receive 85%. If it is above, you receive the cap. A salaried worker earning $10,000 per month at 85% would be entitled to $8,500 &mdash; but the 2025-2026 cap reduces the payout to $7,201.<\/p>\n<h3 class=\"kb-h3\">Does the cap apply once or per month?<\/h3>\n<p>The cap is monthly. A claimant entitled to maximum benefits for the full three-year period would collect 36 months of capped payments, not a single annual lump-sum limit. For accidents in the 2025-2026 cap year, the total ceiling is roughly $259,236 over three years &mdash; before any setoffs.<\/p>\n<h3 class=\"kb-h3\">If the cap is $7,201, why does my insurer say my limit is lower?<\/h3>\n<p>Because the cap is fixed by the accident date. A 2022 accident is capped at the 2022-2023 figure ($6,304) for its entire three-year benefit period. The Legislature did not write a retroactive escalator into the statute &mdash; once the accident date locks in the cap, only a DIFS-confirmed error will change it.<\/p>\n<\/div>\n<div class=\"kb-cta\">\n<h3>\u0a2e\u0a3f\u0a38\u0a3c\u0a40\u0a17\u0a28 \u0a35\u0a3f\u0a71\u0a1a \u0a1c\u0a3c\u0a16\u0a2e\u0a40 \u0a39\u0a4b\u0a0f? \u0a07\u0a38 \u0a26\u0a3e \u0a07\u0a15\u0a71\u0a32\u0a47 \u0a38\u0a3e\u0a39\u0a2e\u0a23\u0a3e \u0a28\u0a3e \u0a15\u0a30\u0a4b\u0964.<\/h3>\n<p>\u0a10\u0a1f\u0a4b\u0a30\u0a28\u0a40 \u0a2e\u0a48\u0a28\u0a40 \u0a1a\u0a3e\u0a39\u0a32 \u0a28\u0a3e\u0a32 \u0a2e\u0a41\u0a2b\u0a24, \u0a17\u0a41\u0a2a\u0a24 \u0a38\u0a2e\u0a40\u0a16\u0a3f\u0a06\u0964 \u0a1c\u0a26\u0a4b\u0a02 \u0a24\u0a71\u0a15 \u0a05\u0a38\u0a40\u0a02 \u0a30\u0a3f\u0a15\u0a35\u0a30 \u0a28\u0a39\u0a40\u0a02 \u0a15\u0a30\u0a26\u0a47, \u0a15\u0a4b\u0a08 \u0a2b\u0a40\u0a38 \u0a28\u0a39\u0a40\u0a02\u0964.<\/p>\n<p><a class=\"btn\" href=\"tel:18446242425\">1-844-624-2425 '\u0a24\u0a47 \u0a15\u0a3e\u0a32 \u0a15\u0a30\u0a4b<\/a><\/div>\n<\/div>\n<aside class=\"kb-disclaimer\" style=\"margin:48px 0 24px;padding:24px 28px;background:#f8fafc;border-left:4px solid #fbbf24;border-radius:6px;font-family:'Cormorant Garamond','EB Garamond',Georgia,serif;font-size:15px;line-height:1.65;color:#334155;\">\n<p style=\"margin:0 0 8px;font-family:'Inter','Helvetica Neue',Arial,sans-serif;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:#0b1220;\">\u0a15\u0a3e\u0a28\u0a42\u0a70\u0a28\u0a40 \u0a2c\u0a47\u0a26\u0a3e\u0a05\u0a35\u0a3e<\/p>\n<p style=\"margin:0;color:#334155;\">\u0a07\u0a38 \u0a32\u0a47\u0a16 \u0a35\u0a3f\u0a71\u0a1a \u0a26\u0a3f\u0a71\u0a24\u0a40 \u0a17\u0a08 \u0a1c\u0a3e\u0a23\u0a15\u0a3e\u0a30\u0a40 \u0a15\u0a47\u0a35\u0a32 \u0a06\u0a2e \u0a1c\u0a3e\u0a23\u0a15\u0a3e\u0a30\u0a40 \u0a05\u0a24\u0a47 \u0a38\u0a3f\u0a71\u0a16\u0a3f\u0a06 \u0a26\u0a47 \u0a09\u0a26\u0a47\u0a38\u0a3c\u0a3e\u0a02 \u0a32\u0a08 \u0a2a\u0a4d\u0a30\u0a26\u0a3e\u0a28 \u0a15\u0a40\u0a24\u0a40 \u0a17\u0a08 \u0a39\u0a48\u0964 \u0a07\u0a38 \u0a28\u0a42\u0a70 \u0a15\u0a3f\u0a38\u0a47 \u0a35\u0a3f\u0a38\u0a3c\u0a47\u0a38\u0a3c \u0a2e\u0a3e\u0a2e\u0a32\u0a47 \u0a32\u0a08 \u0a15\u0a3e\u0a28\u0a42\u0a70\u0a28\u0a40 \u0a38\u0a32\u0a3e\u0a39 \u0a35\u0a1c\u0a4b\u0a02 \u0a28\u0a39\u0a40\u0a02 \u0a38\u0a2e\u0a1d\u0a3f\u0a06 \u0a1c\u0a3e\u0a23\u0a3e \u0a1a\u0a3e\u0a39\u0a40\u0a26\u0a3e\u0964 \u0a15\u0a3e\u0a28\u0a42\u0a70\u0a28 \u0a1c\u0a1f\u0a3f\u0a32 \u0a39\u0a48, \u0a05\u0a15\u0a38\u0a30 \u0a2c\u0a26\u0a32\u0a26\u0a3e \u0a30\u0a39\u0a3f\u0a70\u0a26\u0a3e \u0a39\u0a48, \u0a05\u0a24\u0a47 \u0a05\u0a27\u0a3f\u0a15\u0a3e\u0a30 \u0a16\u0a47\u0a24\u0a30 \u0a26\u0a47 \u0a05\u0a28\u0a41\u0a38\u0a3e\u0a30 \u0a35\u0a71\u0a16\u0a30\u0a3e \u0a39\u0a41\u0a70\u0a26\u0a3e \u0a39\u0a48; \u0a07\u0a71\u0a25\u0a47 \u0a26\u0a3f\u0a71\u0a24\u0a40 \u0a17\u0a08 \u0a38\u0a2e\u0a71\u0a17\u0a30\u0a40 \u0a38\u0a2d \u0a24\u0a4b\u0a02 \u0a28\u0a35\u0a40\u0a28\u0a24\u0a2e \u0a15\u0a3e\u0a28\u0a42\u0a70\u0a28\u0a40 \u0a35\u0a3f\u0a15\u0a3e\u0a38 \u0a28\u0a42\u0a70 \u0a26\u0a30\u0a38\u0a3e \u0a28\u0a39\u0a40\u0a02 \u0a38\u0a15\u0a26\u0a40 \u0a39\u0a48 \u0a05\u0a24\u0a47 \u0a24\u0a41\u0a39\u0a3e\u0a21\u0a40\u0a06\u0a02 \u0a35\u0a3f\u0a05\u0a15\u0a24\u0a40\u0a17\u0a24 \u0a39\u0a3e\u0a32\u0a3e\u0a24\u0a3e\u0a02 '\u0a24\u0a47 \u0a32\u0a3e\u0a17\u0a42 \u0a39\u0a4b\u0a23 \u0a26\u0a47 \u0a2c\u0a3e\u0a35\u0a1c\u0a42\u0a26 \u0a2a\u0a42\u0a30\u0a40 \u0a24\u0a30\u0a4d\u0a39\u0a3e\u0a02 \u0a38\u0a39\u0a40 \u0a28\u0a39\u0a40\u0a02 \u0a39\u0a4b \u0a38\u0a15\u0a26\u0a40 \u0a39\u0a48\u0964 \u0a07\u0a38 \u0a32\u0a47\u0a16 \u0a28\u0a42\u0a70 \u0a2a\u0a5c\u0a4d\u0a39\u0a28 \u0a28\u0a3e\u0a32 \u0a2a\u0a3e\u0a20\u0a15 \u0a05\u0a24\u0a47 \u0a35\u0a15\u0a40\u0a32 \u0a2e\u0a48\u0a28\u0a40 \u0a1a\u0a3e\u0a39\u0a32 \u0a1c\u0a3e\u0a02 \u0a15\u0a3f\u0a38\u0a47 \u0a35\u0a40 \u0a2f\u0a4b\u0a17\u0a26\u0a3e\u0a28 \u0a2a\u0a3e\u0a09\u0a23 \u0a35\u0a3e\u0a32\u0a47 \u0a35\u0a3f\u0a1a\u0a15\u0a3e\u0a30 \u0a35\u0a15\u0a40\u0a32-\u0a28\u0a3f\u0a2f\u0a41\u0a15\u0a24 \u0a38\u0a70\u0a2c\u0a70\u0a27 \u0a28\u0a39\u0a40\u0a02 \u0a2c\u0a23\u0a26\u0a3e\u0964 \u0a2a\u0a3e\u0a20\u0a15\u0a3e\u0a02 \u0a28\u0a42\u0a70 \u0a07\u0a38 \u0a32\u0a47\u0a16 \u0a26\u0a40 \u0a38\u0a2e\u0a71\u0a17\u0a30\u0a40 '\u0a24\u0a47 \u0a2d\u0a30\u0a4b\u0a38\u0a3e \u0a28\u0a39\u0a40\u0a02 \u0a15\u0a30\u0a28\u0a3e \u0a1a\u0a3e\u0a39\u0a40\u0a26\u0a3e \u0a39\u0a48 \u0a05\u0a24\u0a47 \u0a09\u0a28\u0a4d\u0a39\u0a3e\u0a02 \u0a28\u0a42\u0a70 \u0a38\u0a32\u0a3e\u0a39 \u0a26\u0a3f\u0a71\u0a24\u0a40 \u0a1c\u0a3e\u0a02\u0a26\u0a40 \u0a39\u0a48 \u0a15\u0a3f \u0a2a\u0a47\u0a38\u0a3c \u0a15\u0a40\u0a24\u0a40 \u0a17\u0a08 \u0a1c\u0a3e\u0a23\u0a15\u0a3e\u0a30\u0a40 \u0a26\u0a47 \u0a06\u0a27\u0a3e\u0a30 '\u0a24\u0a47 \u0a15\u0a4b\u0a08 \u0a35\u0a40 \u0a2b\u0a48\u0a38\u0a32\u0a3e \u0a32\u0a48\u0a23 \u0a1c\u0a3e\u0a02 \u0a15\u0a4b\u0a08 \u0a15\u0a3e\u0a30\u0a35\u0a3e\u0a08 \u0a15\u0a30\u0a28 \u0a24\u0a4b\u0a02 \u0a2a\u0a39\u0a3f\u0a32\u0a3e\u0a02 \u0a06\u0a2a\u0a23\u0a47 \u0a05\u0a27\u0a3f\u0a15\u0a3e\u0a30 \u0a16\u0a47\u0a24\u0a30 \u0a35\u0a3f\u0a71\u0a1a \u0a32\u0a3e\u0a07\u0a38\u0a70\u0a38\u0a38\u0a3c\u0a41\u0a26\u0a3e, \u0a38\u0a41\u0a24\u0a70\u0a24\u0a30, \u0a2f\u0a4b\u0a17 \u0a15\u0a3e\u0a28\u0a42\u0a70\u0a28\u0a40 \u0a38\u0a32\u0a3e\u0a39\u0a15\u0a3e\u0a30 \u0a28\u0a3e\u0a32 \u0a38\u0a70\u0a2a\u0a30\u0a15 \u0a15\u0a30\u0a28\u0964 \u0a2a\u0a3f\u0a1b\u0a32\u0a47 \u0a28\u0a24\u0a40\u0a1c\u0a47 \u0a2d\u0a35\u0a3f\u0a71\u0a16 \u0a26\u0a47 \u0a28\u0a24\u0a40\u0a1c\u0a3f\u0a06\u0a02 \u0a26\u0a40 \u0a17\u0a3e\u0a30\u0a70\u0a1f\u0a40 \u0a28\u0a39\u0a40\u0a02 \u0a26\u0a3f\u0a70\u0a26\u0a47\u0964.<\/p>\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Knowledge Base &middot; No-Fault &amp; PIP Michigan No-Fault Wage Loss Benefits: The 2026 $7,201 Cap By Attorney Manny Chahal &middot; Updated May 2026 &middot; Reading time: ~8 min If a Michigan auto accident has kept you off the job, your no-fault carrier owes you wage loss benefits under MCL 500.3107(1)(b). The benefit pays 85% of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-practices"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Michigan No-Fault Wage Loss Benefits: The 2026 $7,201 Cap - 1844mchahal.com<\/title>\n<meta name=\"description\" content=\"Knowledge Base &middot; No-Fault &amp; PIP Michigan No-Fault Wage Loss Benefits: The 2026 $7,201 Cap By Attorney Manny Chahal &middot; Updated May\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/1844mchahal.com\/pa\/michigan-no-fault-wage-loss-benefits-2026-7201-cap\/\" \/>\n<meta property=\"og:locale\" content=\"pa_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Michigan No-Fault Wage Loss Benefits: The 2026 $7,201 Cap\" \/>\n<meta property=\"og:description\" content=\"Knowledge Base &middot; 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