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Workers’ Compensation in Minnesota: A Guide for Employers and Employees
Workers’ compensation is an insurance program that offers wage replacement and medical care for employees injured on the job. In Minnesota, with few exceptions, every employer must provide workers’ compensation coverage. This guide explains filing claims, available benefits, and the overall process.
What is Workers’ Compensation?
Work can be risky, with potential for accidents and injuries. Minnesota’s Workers’ Compensation Act ensures injured workers receive partial wage replacement, medical coverage, vocational rehabilitation, and more. It also protects employers from lawsuits. Benefits can include partial lost wages, medical cost coverage, and help finding vocational rehabilitation.
Employee Injury Scenario
If an employee is injured on the job, they should immediately tell their employer and seek medical attention. The employer should then complete a First Report of Injury (FROI) form.
Employee’s Actions After Injury
Employees must report injuries to their supervisor as soon as possible. Delaying a report could risk losing benefits.
Employer’s Responsibility After Injury
The employer must complete a First Report of Injury (FROI) form. If the injury causes missed work, the employer’s workers’ compensation insurer must accept or deny the claim by filing a Notice of Insurer’s Primary Liability Determination with the state.
Out-of-State Injuries
Minnesota-based company employees injured while working out of state may still be eligible for workers’ compensation, as long as a significant portion of their duties are performed in Minnesota.
Meeting Out-of-State Claim Criteria
Three criteria determine jurisdiction for an out-of-state work-related injury claim in Minnesota:
- The employee was hired in Minnesota.
- The employee’s employer is based in Minnesota.
- The injury happened while the employee was temporarily outside of Minnesota.
Regular Minnesota Work with Out-of-State Injury
Minnesota covers employees who regularly perform job duties in Minnesota but are injured outside the state while working for the same employer.
Workers’ Compensation Benefits
Workers’ compensation in Minnesota offers various benefits, including:
- Medical benefits
- Rehabilitation benefits
- Wage-loss and monetary benefits
Claim Process: Acceptance or Denial
The insurer must accept or deny the claim after an injury or illness. If accepted, the worker receives benefits. If denied, a lawyer may be needed to challenge the decision.
Role of a Lawyer in Workers’ Compensation Claims
Workers’ compensation claims can be complex. A lawyer can offer valuable help by explaining your rights, guiding you through the process, and ensuring you receive the benefits you deserve.
Employers Exempt from Coverage
Not all businesses require workers’ compensation insurance. Businesses that only use subcontractors, for example, may be exempt from mandatory coverage. However, verifying your business’s exemption status is crucial to avoid penalties and lawsuits.
Filing a Workers’ Compensation Claim
Filing a workers’ compensation claim in Minnesota involves completing several steps and forms, including the First Report of Injury and Notice of Insurer’s Primary Liability Determination. Completing these forms accurately and on time is essential for proper claim processing.
The Minnesota Workers’ Compensation Act
The Minnesota Workers’ Compensation Act, enacted in 1913 and amended over time, outlines the state’s workers’ compensation laws. Employers and employees can find current details on the Act through the State of Minnesota Legislature website.
Conclusion
Understanding workers’ compensation in Minnesota is essential for both employers and employees. This guide equips you to navigate the complexities of workers’ compensation, whether you’re an employee seeking benefits or an employer ensuring compliance.
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