After being in the same position for some time, with no real safety concerns, you might feel like the risks become less. However, a split-second error could cause you to sustain a serious injury.
Workers’ compensation benefits cover the expense of medical care after an injury on the job, and lost wages may factor into conditions that require time away from work. But if you are at fault for your injury, you might wonder whether you have the right to file a workers’ compensation claim.
No-fault insurance
The benefits of the Minnesota workers’ compensation insurance system are twofold. In general, it:
- Protects the workforce from financial losses due to safety hazards on the job
- Limits employers’ liability for incidents that happen at work
This “no-fault” system doesn’t require you to prove your employer’s negligence to file a claim. Meanwhile, your employer can’t generally use mistakes on your part to invalidate your injury claim.
What’s a work-related injury?
You probably already recognize the inherent risks of your industry, but many accidents, like slips and falls, make getting hurt at work possible virtually anywhere. You can file a workers’ compensation claim for traumatic injuries caused by specific incidents. You may also seek benefits for conditions that are intensified or increased by your assigned duties. These situations might involve:
- Repetitive actions
- Mental disorders
- Occupational diseases
Although the workers’ compensation system was designed to help with the financial complications of on-the-job injuries, employees don’t always understand the available coverage.
Learning more about how workers’ compensation functions may help you protect your interests in the event of a job-related injury. Don’t let your questions stop you from seeking the benefits you deserve if you need assistance.
