After a serious workplace injury, everyday tasks can become much harder. If your injury limits your mobility, you might wonder if workers’ comp can help cover changes to your home. In Minnesota, the answer depends on your situation and the medical support behind your claim.
Understanding what counts as a home modification
Home modifications include any changes that help you live more safely and independently after an injury. These can range from wheelchair ramps and stair lifts to wider doorways and roll-in showers. Workers’ comp may cover these changes if a doctor recommends them as necessary for your recovery or daily function. The changes must relate directly to the injury and be reasonable in cost.
When workers’ comp covers home changes in Minnesota
Workers’ comp benefits include medical expenses and rehabilitation. If your treating doctor states that home modifications are medically necessary, the insurer may approve the changes. You’ll likely need an occupational therapist to assess your home and suggest specific upgrades. The workers’ comp insurer may require a cost estimate or second opinion before approving major changes.
How to request home modifications through workers’ comp
You’ll need medical documentation that supports your need for home modifications. Ask your treating physician or rehabilitation specialist to write a clear statement linking the injury to the home change. Then, submit the request to your claims adjuster. If the insurer denies the request, you can challenge that decision through Minnesota’s dispute resolution process.
If your injury causes lasting mobility issues, consider how your home will serve you in the future. Workers’ comp may help with one-time structural changes, but they likely won’t cover future upgrades or unrelated remodeling. Plan carefully with your healthcare team to ensure the modifications meet your needs now and later.