The monthly maximum depends on your crash date
The cap is adjusted every October 1 for inflation. The figure that applies is the one in effect on the date of your crash, and it stays with your claim.
| Crash date | Maximum per 30 days |
|---|---|
| Oct. 1, 2026 to Sept. 30, 2027 | $7,455 |
| Oct. 1, 2025 to Sept. 30, 2026 | $7,201 |
| Oct. 1, 2024 to Sept. 30, 2025 | $7,014 |
| Oct. 1, 2023 to Sept. 30, 2024 | $6,811 |
Source: MCL 500.3107(1)(b); DIFS Bulletin 2026-20-INS and prior annual DIFS bulletins.
How the benefit is calculated
Start with the gross income you would have earned in the period: wages, overtime you regularly worked, and income from self-employment. Take 85% of it. If that number is above the monthly cap, the cap applies. If you return to work part-time, what you earn counts against the cap, so a person earning near the cap may get little or nothing until their income drops.
Fringe benefits such as employer health insurance and retirement contributions are generally not counted as income for PIP purposes.
What you need to prove it
- A disability slip from your treating doctor that covers the dates you missed
- Pay stubs, a wage verification form completed by your employer, or W-2s
- Tax returns and profit-and-loss statements if you are self-employed
- Proof of a job you were about to start, if you were between jobs
Insurers often stop wage loss after their own doctor says you can work. When your doctor disagrees, the dispute is about the evidence, and we build it.
Three years, then it ends. PIP wage loss stops three years after the crash no matter how disabled you remain. Lost income after that point, and above the cap, can only come from a claim against the at-fault driver, which must be filed within three years of the crash.
Questions people ask us
Are no-fault wage loss benefits taxed?
No. That is why PIP pays 85% of gross income rather than 100%. If you can show your actual tax advantage is smaller, the insurer may have to pay a higher percentage.
I am self-employed. Can I collect wage loss?
Yes, but the calculation is different. Courts generally look at business income after business expenses, so tax returns and profit-and-loss statements matter.
What if I earn more than the monthly cap?
PIP stops at the cap. Income lost above the cap, and income lost after three years, can be claimed from the at-fault driver as excess economic loss.