The workers’ compensation program in Minnesota protects direct-hire employees. Professionals in almost every industry, including part-time and seasonal workers, can qualify for benefits if they develop medical issues because of their work.
Workers’ compensation benefits provide medical coverage. The necessary care required for a worker’s recovery and return to work is eligible for full coverage without any deductibles, co-pays or coinsurance. If employees need time away from work or cannot work the same job anymore, then workers’ compensation may provide disability benefits. Those benefits can help injured professionals cover housing costs, utility bills and other recurring basic expenses.
How much can workers receive through disability benefits?
Every worker’s pay is different
There is no set disability benefit that applies to every worker injured on the job. Instead, the state calculates benefits based on the extent of a worker’s injury, the worker’s usual pay and income across the state.
Workers can qualify for total or partial disability benefits. Partial disability benefits cover the difference in earning potential if a worker must move to a lower-paid position or profession. Total disability benefits help workers who cannot perform any job at all because of their symptoms.
Regardless of whether a worker requires partial or total disability benefits, the state does not replace the entirety of their lost wages. The state only pays up to two-thirds of a worker’s lost wages or two-thirds of the difference between their prior wages and current income.
In some cases, workers may receive less than two-thirds of what they usually earn. There is also a maximum benefit amount that applies. Those in higher-earning careers may find that they receive less than two-thirds of their lost wages because of the maximum benefit rule.
As of 10/1/2024, workers can receive up to 108% of the state average weekly wage. Based on recent figures, the maximum weekly payment available through workers’ compensation is $1,481.76. While living on a reduced income can be challenging, disability benefits are generally preferable to a total loss of income.
Those concerned about maximizing their workers’ compensation benefits or handling the application process may need assistance. Injured workers do have the right to secure legal representation during a workers’ compensation claim. Workers with the right help may have an easier time navigating the system and keeping their focus on their recovery instead of on bureaucratic red tape.
