Minnesota workers who get seriously hurt or ill on the job are often in no condition to go back to work for weeks, months or even years. For a lot of families, being unable to work means little to no income is coming into the home. With medical bills on top of the usual household expenses to pay, whatever savings you have would quickly disappear.
Fortunately, workers’ compensation is there for St. Paul’s workforce if they sustain a job-related injury or illness. If approved, you could receive substantial and vital financial compensation without having to prove that your employer was negligently responsible.
Three types of workers’ comp benefits for Minnesotans
The state workers’ comp system includes three types of benefits:
- Wage-loss benefits. This is probably what most people think of when they think about workers’ comp: benefits to help make up for the wages you lose while you are recovering and unable to work. Depending on how severe your injury is and how long you expect it to last, you could qualify for benefits based on a temporary total disability, temporary partial disability, permanent total disability or permanent partial disability.
- Medical benefits. Most people need a lot of treatment after a work injury. The cost of surgery, physical therapy and doctor’s visits can be astronomical. Injured workers who qualify for workers’ comp are entitled to have “reasonable and necessary” medical care paid for.
- Vocational rehabilitation benefits. If you suffered a permanent disability, you might not be able to perform your old job duties anymore. You might then qualify for vocational rehabilitation to help train you to perform work that pays a similar amount to your old job.
Exactly what you qualify for depends on how well you make your case in your application, or your appeal if necessary. The more legal guidance you have, the more compensation you are likely to receive.