Workers' compensation, commonly referred to as workers' comp, is a type of insurance designed to support employees who suffer injuries or illnesses related to their job. In Minnesota, workers' compensation is a mandatory requirement for most employers and provides coverage for the following:
The workers' compensation system operates on a "no-fault" basis, meaning injured employees are entitled to benefits regardless of who was responsible for the injury. This system helps protect both employees and employers by ensuring fair compensation and reducing legal disputes.
To qualify for workers' compensation benefits, you must meet the following criteria:
You must be classified as an employee, whether full-time or part-time.
Your injury or illness must have occurred while performing job-related duties.
Your condition must have caused you to miss work or seek medical treatment.
Please note that independent contractors and self-employed individuals are generally not covered by workers' compensation. However, if you are self-employed or an independent contractor and have a personal workers' compensation insurance policy, you may be eligible for coverage under that policy.
Workers' compensation insurance provides benefits for a range of injuries and conditions that arise from or are worsened by your work duties. Coverage may include:
Your employer’s workers' compensation policy may cover any injury or condition caused, aggravated, or accelerated by your job duties. This includes specific incidents (such as a fall), cumulative injuries from repetitive tasks, occupational exposure to harmful substances, and psychological injuries.
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