Workers’ compensation protects employees after a workplace-related injury. The Minnesota Department of Labor and Industry says that workers’ compensation insurance is a no-fault system. You should receive coverage if you suffer an injury during your everyday activities at work.
However, not all coverage is the same. If you suffered from a debilitating injury at work, see below for the three types of disability coverage you might receive.
1. Temporary total disability
Temporary total disability payments are for workers who cannot work at all for a period after their injury. For most employees, disability payments equal two-thirds of your weekly wage unless you fall under certain maximum or minimum wage levels. According to the Department of Labor and Industry injuries after September 30, 2008, you may receive payments for up to 130 weeks.
2. Temporary partial disability
Temporary partial disability pays workers a supplemental income if they can return to work but at a reduced capacity. If your injury reduces the wage you can earn, temporary partial disability pays two-thirds the difference. After October 1, 2018, injured workers may receive partial disability payments for 275 weeks or until 450 weeks after the date of the injury.
3. Permanent total disability
Permanent total disability pays workers who sustain injuries and never return to gainful employment. If you lose sight in both eyes, both arms at the shoulder, lose both legs, become permanently paralyzed or suffer a total loss of mental faculties, you will receive permanent total disability. The payments equal two-thirds of your weekly wage, at no less than 65 percent of the statewide average weekly salary.
Seeking disability payments is not always straightforward. However, if you suffer an injury that prevents you from working, you should pursue either temporary or permanent disability payments.