If you are an employee in Minnesota, you can receive workers’ compensation even if you were at fault for a work-related injury or illness.
This question often arises because many assume fault plays a role in determining workers’ compensation benefits eligibility. However, this state’s workers’ compensation system is no-fault. Employees can get coverage without needing to prove that their employer or a third party caused harm.
Workers’ compensation in Minnesota
In Minnesota, the workers’ compensation program mandates that employers provide coverage to compensate eligible workers regardless of who was responsible for the incident. This approach helps injured or sick workers get the benefits they need.
The main goal of workers’ compensation insurance is to provide quick and efficient support to employees. They can receive funds when they suffer injuries or illnesses due to their job. This system covers medical expenses, lost wages and rehabilitation costs necessary for the employee to make a return to work.
Filing for coverage
For eligible workers, filing a claim is the first step toward accessing coverage. Employees should report their injury or illness to their employer immediately. The employer is then responsible for sending the claim to their workers’ compensation insurance company. After this, there is an evaluation of the claim to confirm if the incident is eligible for coverage.
Although workers’ compensation is comprehensive, it does not cover injuries that occur because an employee was under the influence of drugs or alcohol. Likewise, an employee cannot get workers’ compensation for self-inflicted harm. Injuries incurred while an employee was committing a serious crime are also not covered under workers’ compensation.
No-fault workers’ compensation in Minnesota maintains a balance between workers’ and employers’ needs. This program ensures that the state’s workforce remains healthy and supported.