Workers Compensation Insurance

  • workers compensation

    Minnesota Department of Labor and Industry (MN DOLI)

    Workers’ Compensation - - General Information

    Workers' compensation is a no-fault system designed to provide benefits to employees injured as a result of their employment activities and to limit the liability of employers. Because it is a no-fault system, the employee does not need to prove negligence on the part of the employer to establish liability. It also means the employer cannot use negligence on the part of the employee as a defense to a claim.

    Basic Benefits

    Workers’ compensation provides four basic types of benefits:

    • Wage loss;
    • Compensation for the loss of use of a part of the body;
    • Medical benefits; and
    • Vocational rehabilitation services.

    Healthcare Providers

    Employees may choose their own licensed healthcare provider under most circumstances. Treatment by certain unlicensed complementary and alternative healthcare providers is not paid. Prescriptions and mileage to medical appointments may also be reimbursed. 

    Third-Party Administrator

    Any entity which administers, for compensation, a self-insurance plan.

    Reference:  Minnesota Statute, Chapter 176 – Workers’ Compensation

             Minnesota Statute 471.981 – Self-Insurance Coverage by Political Subdivision.

                          Minnesota Statute 466.01 – Definitions.

                          Minnesota Statute 176.181 – Insurance.

                          Minnesota Statute 60A.23 – Miscellaneous.

     

    For more information - http://www.dli.mn.gov/business/workers-compensation/work-comp-benefits-general-information