If you are an employee in Minnesota, know that your employer must provide you with the benefits of workers’ compensation if you suffer a work-related injury or illness. Workers’ compensation is insurance that provides benefits such as medical treatment, wage replacement and disability payments to employees who were injured or fell ill as a result of something that happened at their job.
What injuries are covered by workers’ comp in Minnesota?
Workers’ comp covers a wide range of injuries and illnesses that are related to work. These include injuries resulting from accidents, repetitive motion injuries, occupational diseases and mental health conditions caused by work-related stress.
Accidents that occur while on the job, such as falls, getting hit by falling objects or getting injured while using heavy machinery, are typical examples of injuries covered by workers’ compensation. Repetitive motion injuries, such as carpal tunnel syndrome, can also be covered if the repetitive nature of the job causes them.
Occupational diseases, such as lung disease or hearing loss, are covered if they are caused by exposure to hazardous substances or conditions in the workplace. In addition, mental health conditions caused by work-related stress, such as anxiety or depression, may also be covered by workers’ compensation.
The workers’ compensation claim process can be challenging, and understanding your rights and responsibilities as an injured worker is critical. Therefore, report the work-related injury or illness to your employer immediately.
Make sure to gather and keep all relevant documentation, including medical records and accident reports, and follow up on any requirements or deadlines to avoid delays or complications. Remember that the insurance company will likely require specific proof and documentation to support the compensation that you receive, so it is crucial to be cautious and know your rights.