Accidents happen, even at work. If you’re a construction worker, you might drop a heavy load of materials on your foot and break it. If you’re a nurse or nursing assistant, you may injure your back when trying to move a patient. If you work in a factory, you might develop severe shoulder pain from making repetitive movements, every day, on the assembly line.
All these injuries are eligible for workers’ compensation in Minnesota. Every company in Minnesota is required to provide worker’s compensation.
Workers’ comp basics
If you need to file a worker’s compensation claim, you should know that you are more likely to receive maximum benefits if you do the following:
- Inform your employer of the injury within 14 days of a workplace accident or symptoms occurring.
- Seek medical treatment immediately.
- Follow your physician’s treatment plan.
- Keep copies of all claim-related documents, forms, letters, medical bills and benefit checks.
- Keep your employer informed about your recovery and your plan to return to work.
Types of workers comp
In Minnesota, there are three main types of workers’ compensation benefits:
- Temporary total disability (TTD) benefits
- Temporary partial disability (TPD) benefits
- Death/dependency benefits (for a spouse or dependents of an employee who dies from a work-related injury or disease)
You’ll receive temporary total disability benefits if you are unable to work because of your injury or illness. TTD benefits are two-thirds of your gross weekly wage at the time of your injury.
You’ll receive temporary partial disability benefits if your injury or illness causes you to earn a lower weekly wage than you earned at the time of your injury. The TPD benefit payments are two-thirds the difference from your gross weekly wage at the time of your injury and your current gross weekly earnings.
The amount of time you can receive total disability or partial disability payments depends on when you were injured and current state law.
Workers’ comp settlements
Before accepting any lump-sum workers’ comp settlement for an injury or wrongful death, consult an experienced workers’ compensation attorney. Also, if you are having problems receiving funds to cover your medical bills and rehabilitation costs, you will need an attorney’s help. You may be eligible for more workers’ compensation benefits than you realize.