In Minnesota, a work-related injury can become a serious threat to your livelihood. And when your doctor concludes that you have reached Maximum Medical Improvement (MMI), they will evaluate if you have any permanent work restrictions Minnesota law requires your employer to follow.
Redefining your capabilities
Permanent restrictions define what physical activities you can do, based on medical guidelines. These are usually detailed in a report. These classifications may be “sedentary” (mostly sitting), “light duty” (minimal lifting), or “medium/heavy duty” levels, which will influence your career path. For example:
- A construction worker limited to lifting less than 25 lbs can no longer perform usual tasks
- A warehouse worker unable to bend repeatedly may be unable to perform core job functions
- A truck driver with sitting limitations might not be able to continue on their route
These restrictions might mean that your career as you knew it will be over.
Financial implications
When you face a work injury permanent disability, the impact on your finances is immediate. If your employer cannot accommodate your restrictions and you must take a lower-paying job, you might qualify for a “wage differential” or Temporary Partial Disability (TPD) benefits. Additionally, workers compensation permanent restrictions are a massive factor in settlement value considerations. If you cannot go back to your high-paying trade, the insurance company’s liability increases significantly.
Moving forward
Knowing your rights helps you plan your future. If your restrictions prevent you from going back to your old job, you may qualify for vocational rehabilitation or retraining for a new profession. If you perceive that an insurance company is not acknowledging your limitations, reach out to an experienced law firm for advice right away.
