Virtually all employees must be covered by the Workers' Disability Compensation Act insurance (MI Comp. Laws Sec. 418.101et seq. or MI Stat. Sec. 17.237et seq.). The only exceptions are the following:
• Those who work for employers that regularly employ fewer than three employees at a time, except that all employees are covered, regardless of the size of the employer, if one of them has worked 35 hours or more per week for that employer for at least 13 of the previous 52 weeks
• Professional athletes whose average weekly wage is more than 200 percent of the statewide average weekly wage
• Domestic servants who work less than 35 hours a week for 13 weeks a year
• Real estate salespersons
Employers may elect to cover employees for whom coverage is not required.