Severe workplace injuries can leave you out of work for months or even permanently. If you need surgery or face long-term restrictions, you may have questions about workers’ compensation. Unfortunately, misinformation can make the process even more confusing. Let’s clear up some common myths.
Myth 1: You can’t receive benefits if the injury was partially your fault
Workers’ compensation is a no-fault system in Minnesota. This means you can receive benefits even if you made a mistake that led to your injury. As long as the injury happened while performing your job duties, you are eligible for compensation.
Myth 2: You will be compensated for your full salary
Workers’ compensation covers a portion of lost wages, not your full paycheck. In Minnesota, wage-loss benefits typically pay two-thirds of your average weekly wage, up to a state-set maximum. If you have permanent restrictions, additional benefits may be available, but full wage replacement is not part of the system.
Myth 3: You have to return to work as soon as your employer offers a position
Your employer may offer a light-duty job after your injury, but you are not required to accept a position that exceeds your medical restrictions. If your doctor determines you are unable to work or need additional recovery time, you can continue receiving benefits until you are medically cleared.
Myth 4: Workers’ compensation only covers medical bills
Medical treatment is covered, but benefits can extend beyond that. You may qualify for vocational rehabilitation if you cannot return to your previous job. Additionally, workers with permanent impairments may receive benefits for long-term disability, including compensation for lost earning capacity.
Myth 5: You can’t get workers’ compensation if you had a pre-existing condition
A pre-existing condition does not automatically disqualify you from benefits. If a work-related injury worsens an existing condition, you may still be eligible for compensation. The key factor is whether your job contributed to the severity of your condition.
Understanding your rights is key
Severe work injuries can bring financial and physical challenges. Knowing the truth about workers’ compensation can help you focus on recovery without unnecessary stress. If you have suffered a serious workplace injury, make sure you understand the benefits available under Minnesota law.
