“I honestly think I need to credit some of my success in coaching to all of you and your generosity and willingness to give with no expectation of any return. That is something that has shaped my values today, and something I try to impress upon all of the youth I work with. So please know that you haven’t impressed these values just on me, but on every young person I work with . . . I can never thank you enough . . . “
James Hanson, Minneapolis, Minnesota
Every year thousands of Minnesotans are injured at work. Work injuries are the most common and often most complex legal cases.
If you or a loved one have been injured at work, you may be able to make claims for the following:
1. Workers’ Compensation: Claims Against the Employer
Workers’ compensation benefits may be available from your employer. Most of the time, workers’ compensation benefits are the only or exclusive claim that may be made against your employer. However, you are not required to prove fault against your employer. The following workers’ compensation benefits are available from your employer:
- Medical Expenses pays reasonable and necessary medical care including medical, chiropractic and prescriptions.
- Temporary total disability (TTD) pays weekly compensation when you are temporarily unable to work.
- Temporary partial disability (TPD) pays weekly compensation when you are unable to work the same hours or for the same wage as pre-injury.
- Permanent partial disability (PPD) pays a specific sum based on the workers’ compensation schedule for permanent injuries.
- Permanent total disability (PTD) pays weekly compensation if you are permanently unable to work.
- Vocational Rehabilitation Expenses pays for vocational assistance, job placement services, and retraining benefits.
2. Third Party Claims: Claims Against Non-Employers.
In addition to workers’ compensation, you may be able to make a claim for benefits against a third party (not your employer) for the following losses:
*Additional medical expenses and lost wages may be recoverable under Minnesota No-Fault if a car accident or truck accident is involved. For further discussion of these losses, see: Minnesota No-Fault: How No-Fault Works.
Although you are not required to prove fault in a workers’ compensation claim against your employer, you are required to prove fault in a third-party claim against non-employers.
There may be several layers of insurance coverage and several insurers involved in your Third Party Claim including:
- Workers’ compensation insurance
- Liability Insurance or Uninsured Motorist Insurance (UM)
- Underinsured motorist coverage (UIM)
If you or a loved one have suffered a work accident, you need to concentrate on one thing — getting on with your life. Let our experienced team handle the insurance paperwork including claim forms, reports, authorizations, and requests for recorded statements.
We offer a free consultation, so you have nothing to lose by contacting us first. For a free consultation:
Email us at email@example.com or
Call us at 507-285-5350 or 877-285-5350