Generally, most employers are required to carry workers comp in MN. There are some exclusions and exemptions, but for the most part, employers must have workers comp.
Workers comp in MN is designed to cover expenses an employee may incur from any work-related injury or illness. If you have been injured on the job, it is likely that you are eligible to make a workers comp claim. Whether your injury came from employer negligence or even something you may have unintentionally caused, your claim is probably valid under federal law. There are a few exceptions to this such as if you were violating company policy or committing a crime your claim may not be accepted. Injuries from intoxication, use of illegal drugs, and self-inflicted injuries are also generally not covered.
Workers’ comp law states that any employee accepting benefits will automatically give up his or her right to sue the employer. This means that even though the injury may have been because the employer was careless or negligent, the employee will not be able to sue the employer and all bills will go through the workers’ compensation benefits. These benefits include medical care, rehabilitation, surgery, loss wages, short- and long-term disability, and even death benefits.
It is important to file your claim in a timely manner. Waiting too long can cause your claim to be denied. If you have filed a worker’s comp claim and are having trouble getting it approved, a workers’ comp attorney can help in the process. A lawyer experienced in representing these types of cases will be able to advise you of your rights as an injured worker. While evaluating your claim, a knowledgeable attorney may find that your employer is stalling or causing delays or the insurance company has caused problems with your claim.
A skilled lawyer will be able to investigate and correct any workers comp in MN that have been denied.
