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Understanding workers' comp in Minnesota

Employees in Minnesota may benefit from learning more about workers' compensation coverage, as described by the Minnesota Department of Labor & Industry. Minnesota statues require all employers conducting business in the state to provide benefits for employees that suffer injuries on the job. The state defines employees as people who perform services for another in exchange for hire, this includes workers who are non-citizens, part-timers and juveniles as well.

Some employers may be required to provide proof of their financial ability to receive permission for self-insurance from the Minnesota Department of Commerce. According to the Department of Labor and Industry, employers with at least one part-time employee are typically required to provide insurance coverage. Employers who fail to provide the appropriate insurance coverage for employees may be subject to several penalties. The workers' compensation insurance fact sheet identifies any of the limited exceptions to having mandatory coverage.

Employers who've been accused of failing to provide workers' compensation coverage for employees may be investigated the Special Compensation Fund unit. In some cases, the results of the investigation may lead to civil penalty action. The state advises employers with questions about the mandatory workers' compensation requirements to contact the Department of Labor & Industry's Alternative Dispute Resolution. Employers must purchase the workers' compensation coverage through the insurance company or directly from an insurance agent.

Employees who are struggling with getting their workers' compensation claim approved may benefit from consulting legal counsel. Lawyers may be able to investigate the workplace injury and help identify any of the parties who may be held culpable for the accident. In addition, legal counsel may also be effective in helping safeguard employees' rights to adequate medical coverage and wage benefits.

Source: Minnesota department of labor & industry , "Workers' compensation -- About workers' compensation coverage ", December 19, 2014

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