Workers Compensation Information

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Our Thoughts Are With Those Impacted by the Recent Michigan Tornadoes

We are deeply saddened by the recent tornadoes that touched down across Michigan, resulting in significant property damage and, tragically, loss of life. Our thoughts are with everyone affected. If you or your loved ones were impacted, we hope you are safe and know that we are thinking about you during this difficult time.
Your safety and well being come first. Once you are safe and able, the following best practices may help as you begin the recovery process.

Please Stay Safe

  • Do not enter damaged structures until authorities say it is safe to do so.
  • Be mindful of downed power lines, gas leaks, unstable structures, and debris.
  • If emergency services instruct you to evacuate or restrict access, please follow their guidance

Document the Damage

  • Take clear photos or videos of all visible damage before making repairs, if it is safe to do so.
  • Capture damage to the exterior, interior, and personal property.
  • Continue to document damage as conditions change or additional issues become visible.

Protect Your Property from Further Damage

  • Make reasonable and necessary temporary repairs to prevent additional damage (for example, tarping a roof or boarding broken windows).
  • Keep receipts for materials, supplies, or services used for these temporary repairs.

Temporary Living Expenses

  • If you are displaced from your home, keep a log of temporary lodging and meal expenses.
  • Save all receipts related to hotels, short term rentals, meals, and other necessary living expenses incurred due to displacement.

Do Not Dispose of Damaged Property

  • Please do not throw away damaged items until your insurance company has had an opportunity to review them or has authorized disposal.
  • If items must be removed for safety or health reasons, take photos first and keep samples when possible.

We Are Here to Help

When you are ready, please contact your agent to begin the claims process or if you have questions about next steps. We are committed to supporting you with care, compassion, and clarity as you move forward.

Continue to the Pioneer Website

If you have a work-related injury:

STEP 1:
Employee seeks medical attention
The first thing you need to do is ensure that everyone is okay. In an emergency, medical care and safety come first. Once the situation has stabilized and anyone needing medical attention has been assisted, contact your agent to discuss the best way to proceed based on the facts of the loss.

Please be sure to keep any and all documentation of any medical treatments.

STEP 2:
Early reporting to Pioneer
If you have made the decision to proceed with a claim your next step will be to contact Pioneer. There are various channels in which you can contact us – your agent can submit a claim for you, you can call Pioneer directly 810-733-2300, or you can submit a claim via your My Pioneer account online or via our mobile app. “Early Reporting” increases the possibly of a positive outcome for you and your employee. It is our expectation as your carrier that you report all injures the same day.

STEP 3:
Pioneer determines coverage
After you make the official claim report, a claims expert will be assigned to your claim. The claims expert will contact you and review the facts regarding the incident then refer to your policy to verify you have coverage for the incident.

STEP 4:
Employee continues receiving treatment
Your Pioneer claims expert and your agent will explain what coverage you have under your policy, what services/treatments are authorized, as well as any applicable limits. 

STEP 5:
Medically appropriate outcome / Return to Work
The goal is to do our best to bring an injured employee back to full health such that they may return to work. While that may not always be possible, it is important to maintain communication with your agent and Pioneer claims professional along the way so they stay apprised of recovery status. Getting the employee back to work as soon as possible will help maintain workforce productivity and reduce the need for temporary or backfilling positions.

 

Please review your documents 
Also enclosed in this packet are your workers’ compensation insurance policy documents. Please review all documents for accuracy. If you have any questions about your policy coverages, please contact your Independent Agent immediately. 

 

Injury Prevention 
If you have any questions about preventing workplace injuries, or would like some training or educational materials sent to you, please reach out to us at CLLossControl@psmic.com