When injured on the job, the pathway to recovery is often paved with uncertainty and worry, especially about finances. Minnesota’s workers’ compensation system is designed to alleviate some of that stress by providing benefits to cover medical expenses, supplement lost wages, and assist with vocational rehabilitation.
The Minnesota Department of Labor and Industry sets annual maximums for these benefits. Here’s what you need to know about the maximum payouts and how they can support your recovery process.
Medical expenses make up a large portion of workers’ compensation settlements, as they cover everything from emergency care and surgical treatments to rehabilitation and necessary medications. Minnesota does not cap the amount paid out for medical expenses, allowing for comprehensive coverage for all reasonable and necessary medical expenses.
However, “reasonable” and “necessary” are the key terms here. Disputes over the relevance or extent of medical care are common, especially in cases requiring long-term or expensive care. Insurers may challenge the necessity of the recommended treatments, which can complicate the claim process.
Vocational rehabilitation benefits are designed to help injured workers return to the workforce, either in their previous roles or in new capacities that accommodate their physical limitations. The state sets maximums for the fees associated with rehabilitation services.
As of October 1, 2023, the maximum Qualified Rehabilitation Consultant (QRC) hourly fee is $122.97, and the maximum job development and placement fee is $98.48. Employees have the right to choose their own QRC, although insurers often push for consultants within their network.
Temporary wage loss benefits provide support for workers who are either partially or completely unable to work due to their injuries. These benefits are calculated based on a percentage of the worker’s usual earnings and are capped according to the statewide average weekly wage.
For injuries occurring after October 1, 2023, the maximum Temporary Total Disability (TTD) benefit is $1,363.74 per week. Temporary Partial Disability (TPD) benefits are also available for those who can work but earn less, providing two-thirds of the difference between the previous and current earnings up to the TTD maximum.
Permanent disability benefits kick in when an injury results in lasting impairment, assessed once maximum medical improvement (MMI) is reached. For Permanent Partial Disability (PPD), benefits are calculated based on the impairment level determined by a physician, tied to a state-maintained schedule.
For instance, say that a worker is given a 10% total body impairment rating. Based on Minnesota’s compensation schedule for 2023, the benefit will be $12,180, or .10 times $121,800.
Those with severe disabilities, such as loss of limbs or complete paralysis, might qualify for Permanent Total Disability (PTD) benefits. These provide two-thirds of pre-injury wages up to the TTD maximum.
When you are injured at work, you are entitled to recover the full range of benefits that you are qualified to receive. Unfortunately, insurers are often reluctant to provide a maximum settlement, leading to disputes and low settlement offers. In these situations, a Minneapolis workers’ compensation lawyer can fight for the benefits that you deserve in Minnesota.
An attorney can help you calculate your potential benefits, represent your interests in disputes, and ensure that your claim includes robust evidence to support your right to compensation. If you are dealing with a workplace injury, do not hesitate to seek legal advice to safeguard your rights and support your financial recovery.
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