Workers’ Compensation Versus Occupational Accident Insurance Claims In Minnesota

After a work accident, the uncertainty of what happens next and the fear of losing your livelihood can be overwhelming. Our team at Midwest Disability, LLC., wants you to know that programs are available to provide valuable financial and professional support to help Minnesota workers get through these challenging times.

Workers’ Comp Or Occupational Accident Coverage?

Injured workers in Minnesota have two primary options for financial relief: workers’ compensation and occupational accident insurance. While both provide financial support, they serve distinct purposes and offer different benefits.

• Workers’ compensation is a state-mandated program that covers medical costs and wage replacement for employees who suffer work-related injuries or illnesses. Employers pay premiums to insurance carriers.
• Occupational accident insurance is a voluntary insurance program that provides financial support to workers who suffer workplace injuries or illnesses but are not covered by workers’ compensation. Occupational accident insurance costs vary based on coverage limits and risk factors associated with the industry and occupation.

Both options protect workers, but understanding the nuances is key. That’s where our skills and experience as workers’ compensation lawyers can help you.

Eligibility And Coverage: Who Qualifies?

Not all workers are eligible for both programs. Generally, workers’ compensation covers employees who work for companies with at least one employee, while occupational accident insurance is available for people who are not eligible for workers’ compensation.

Self-employed individuals, independent contractors and agricultural workers may not be eligible for workers’ compensation in Minnesota but can consider occupational accident insurance.

It’s crucial to know which category you fall into. We can help you determine your eligibility and understand your coverage options.

Filing A Claim After A Work Accident In Minnesota

Pursuing financial relief under these programs is stressful, especially if you aren’t sure of what you need to do. If you are filing a workers’ compensation claim, the basic steps include:

• Reporting your injury to your employer as soon as possible, making sure to give your employer accurate and complete information so they can fill out the First Report of Injury form
• Seeking medical attention and documenting all tests, treatments and diagnoses
• Following up and complying with any insurance investigation requests

If you qualify for a workers’ compensation claim, we want to maximize the benefits you are eligible to receive. Our skilled work accident lawyers are here to guide you through every step of the injury claim process.

Don’t Face Your Workplace Injury Alone – Let’s Talk

If you’re dealing with a workplace injury in Minnesota, don’t struggle through the process by yourself. Call 888-351-0427 or send us an online inquiry to talk to an experienced, compassionate attorney today.