In Minnesota, workers’ compensation is a mandatory insurance program that can help provide prompt financial support for employees who get injured or sick while on their work shifts.
If you recently got involved in a workplace accident, it is vital to learn about how you can protect your rights. Here are three key factors about the state’s workers’ comp (WC) insurance that you should know about:
Are construction workers entitled to benefits?
In Minnesota, WC insurance is compulsory for all employers. This means that if you experience an accident at work, you may file a claim and have the insurance pay for your medical treatments, surgery costs, hospital bills and/or medical supplies.
According to the state’s Department of Labor and Industry, “a work-related injury” may refer to any condition that is caused or accelerated by employment activities. This includes traumatic or gradual injuries and occupational diseases.
What are common types of injuries in the construction industry?
Construction workers have one of the most physically demanding jobs in the world. Because of this, they face serious risk hazards, including developing diseases from prolonged exposure to construction work chemicals such as lead, asbestos and solvents.
Aside from these long-term illnesses, they may also be involved in accidents that can lead to these types of injuries:
- Sprains and strains
- Broken or crushed bones
- Electrical shock burns
- Spinal cord injuries
- Traumatic brain injuries
To help ensure a smooth WC claims process, injured workers must inform their employers about their accidents as soon as possible.
What does WC cover?
Aside from medical benefits, Minnesota WC can also compensate workers for their lost wages due to a temporary or permanent disability that originated from their workplace accidents.
Your health should always come first
While injuries in the workplace may seem common in your line of work, it must not become a reason for you to deter from seeking medical care. By understanding your rights and the state’s WC processes, you can file your claim, receive financial help for your medical bills and focus on your recovery.