Minnesota law requires most employers to carry workers’ compensation insurance to ensure that employees like you have access to benefits that can help bridge the gap when you cannot work due to a job-related injury. Workers’ compensation provides coverage for your medical treatment and a portion of your lost wages. It can help you on your road to recovery and provide a source of income to enable you to continue supporting your family while you heal.
Workers’ compensation covers medical expenses
When you are the primary breadwinner, you might feel the temptation to power through your injury and keep working despite the pain you suffer. You might even try to convince your employer that nothing is wrong with you to avoid going to the hospital for fear of the medical expenses you might incur. While this is commendable, it could also worsen your condition and result in permanent disability. After a work injury, you should do the following:
- Report the injury to your employer as soon as possible.
- Seek medical attention and let the healthcare provider know that your injury is work-related.
- Keep records of your injury, medical treatment and any communication with your employer or their insurance company.
Always prioritize your health and safety first. Workers’ compensation covers all the reasonable medical treatments necessary for your work injury. You have the right to seek treatment from your own doctor, and you do not have to pay out of pocket for these expenses. This way, you can focus on getting better without the added stress of medical bills.
Workers’ compensation provides wage replacement benefits
When your injury keeps you from working, wage-loss benefits can allow you to manage household expenses while you recover. Several types of wage loss benefits are available, depending on the severity of your injury and how it affects your ability to work, both in the short and long term.
Serious injuries might lead to long-term or permanent changes in your ability to work. If this happens, you may be eligible for additional benefits, such as vocational rehabilitation or training for a new type of job. If you cannot return to any type of gainful employment, you might qualify for permanent total disability benefits.
A work injury can cause you incredible pain and financial hardship. If you are unable to support your family due to a work injury, it is important to know that there are resources and options available to you.
