In Minnesota, employers are responsible for filing disability paperwork.
An on-the-job injury can be physically devastating as well as financially draining, even when the injury is only temporary. Employers in the state of Minnesota are required to carry Workers' Compensation insurance or be self insured. This insurance helps protect employees from the financial impacts of an injury by providing them with coverage for lost wages and medical and rehabilitation services. Minnesota does not directly provide temporary disability benefits. However, the state's Department of Labor and Industry is available to guide employees through the process and help mediate any disputes or denied claims.
Instructions
1. Notify the employer of the on-the-work injury as soon as possible. The employer has 10 days from the time it learns of the injury to report it to its insurance company. The employer must provide the insurer with a First Report of Injury form if the disability lasts more than three days. The employee should also receive a copy of this form as well as the Minnesota Workers' Compensation System Employee Information Sheet. This sheet outlines the Workers' Compensation Claim process.
2. Seek medical attention. If the employee did not immediately visit a doctor or hospital as a result of the injury, they must make an appointment with a doctor to receive temporary disability benefits. Let the doctor know that the injury occurred at work. The doctor will then submit a Report of Work Ability form to the employer and insurer. This form provides details on the extent of the employee's injury and will be used by the insurance company in its assessment of the claim.
3. Follow up with the employer's insurance company. Once the insurance company has the needed information from the employer and doctor, it will issue a Notice of Insurer's Primary Liability Determination. This notice is filed with the state of Minnesota and is the official acceptance or denial of the employee's compensation claim. If the claim is accepted, the employee will begin paying the temporary disability benefits. If the claim is denied, the employee can contact the Minnesota Department of Labor and Industry for assistance.
Tags: insurance company, disability benefits, temporary disability, temporary disability benefits, Workers Compensation
