Work accidents can be traumatizing experiences that leave you feeling helpless. Fortunately, Minnesota has implemented laws that advocate for injured employees. However, it is critical to understand and follow these standards to avoid issues with your claim.
Notifying your employer
After your accident, informing your supervisor immediately is important. In Minnesota, it is best to report the incident within 14 days because it prevents a denial based on late notice. Any more than that could result in complications with your employer or their insurance. The longer you wait, the harder it becomes to secure compensation for your damages.
Ensuring the employer takes action
Upon notification, your employer must submit the First Report of Injury (FROI) to the commissioner and insurer within 48 hours in case of death or serious injury.
If an injury causes the worker to be unable to work for more than three calendar days, the employer must report it to their insurer within 10 days. The insurer must then file the report with the Commissioner of Labor and Industry within 14 days of the injury.
Choosing your doctor
While you have the right to choose your own doctor, there are two caveats you must consider:
- The 60-day window: You may change your primary doctor once within the first 60 days of treatment without permission, but you might need the insurer’s consent if you change beyond the window.
- Managed care plans: You may need to choose a doctor from a network if your employer uses a state-certified care plan.
Under Minnesota’s workers’ compensation law, you may receive medical care at no cost. However, it is crucial to understand that you may only receive this if the treatments are reasonably required to cure and relieve the effects of your injury.
Recognizing the severity of your injuries
Waiting to see if the pain goes away is one of the common reasons for a claim denial. Insurers can argue that delaying medical attention means your injuries are not work-related. That is why prompt action is a must. If you are unsure about the process, seeking advice from an attorney can offer the guidance you need.
