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Workers’ Compensation

Who does Workers’ Compensation insurance cover?

Workers' compensation insurance covers employees who are injured on the job and while in the course and scope of their employment. Work injuries include traumatic injuries, injuries caused by repetitious and repetitive activities, or occupational diseases caused by the work environment.

What you should do if you are injured at work:

Report your injury in writing to your employer and keep a copy of the report. Be specific on how the injury occurred, not just that you noticed symptoms while at work.

  • Go to your own medical doctor as soon as possible after the injury--don't wait to get treatment.
  • During your time off work you may be under surveillance by professional investigators, so don't ever exceed your medical restrictions as the workers' compensation carrier may be taking videos to damage your credibility.
  • Make sure your doctor examines you and makes a final permanent disability rating at the appropriate time.
  • Make sure you talk to us as soon as possible about any potential third-party rights you may have.
  • Select your own QRC if you are in need of rehabilitation services.
  • Never give a written or telephone statement to the workers' compensation insurance carrier if they have already denied your workers' compensation claim.

What benefits are available to injured workers?

Medical Benefits are paid for reasonable and necessary medical care in order to cure or relieve the effects of the work-related injury. Many forms of medical treatment are covered, but there are certain limits on some forms of medical treatment.

 

Wage Loss Benefits are based on the injured worker's average weekly wage at the time of the injury.

Temporary total disability benefits are wage benefits paid when an injured workers is totally disabled from work at all or has medical restrictions placed upon them but are unable to find work within those restrictions.

Temporary partial disability benefits are wage benefits paid when an injured worker is back to work but has medical restrictions that cause the injured worker to be earning less wages.

Permanent total disability benefits are wage benefits paid when the injured worker is no longer able to secure a steady job due to the disabilities from the work-related injury.

Permanent Impairment Benefits are benefits paid to the employee for any permanent injury rated by their doctor under the Minnesota workers' compensation guidelines.

 

Vocational Benefits are benefits paid to a professional who will assist the injured worker in returning to their employment with the employer or assist the employee in finding suitable, alternative employment if the injured worker is unable to continuing in their pre-injury occupation.

 

Death Benefits are benefits paid in the unfortunate event the work injury causes the death of the worker. They cover funeral expenses for the deceased worker and are also paid to the deceased workers' dependents.

Can my employer fire me for filing a Workers’ Compensation claim?

It is unlawful for an employer to discharge (or fire) an employee for seeking workers’ compensation benefits. It is also unlawful for an employer to even threaten to discharge an employee or reduce an employee’s pay or benefits for seeking workers’ compensation benefits. If you feel that your employer is treating you differently because of a workers’ compensation injury, please contact us to discuss whether you have a claim.