Minnesota Workers' Compensation Benefits Overview
There are four main types of workers’ compensation benefits available to injured workers under the Minnesota Workers’ Compensation Act. Medical Expense Benefits If you’ve sustained a work-related injury in Minnesota, the employer and insurer are responsible for payment of “reasonable and necessary" medical care and treatment to cure and/or relieve the effects of the work injury. Covered treatments include, but are not limited to: hospitalization, prescriptions, medical mileage reimbursement, nursing services, chiropractic care, physical therapy, assistive devices, MRI’s, CT scans, EMG’s, counseling, injections, chronic pain management, psychological care, and occupational therapy. Wage Loss Benefits Temporary total disability benefits (TTD): Temporary total disability benefits are wage loss benefits available to injured workers who are completely unable to work, or who are released to return to work with restrictions, but are unable to find work within those restrictions. TTD is calculated at 2/3 of an injured worker’s average weekly wage (AWW) at the time of the injury. This benefit is current capped at a maximum of $850 per week, for a maximum of up to 130 weeks. An injured workers’ entitlement to temporary total disability (TTD) also ends 90 days after reaching maximum medical improvement (MMI), if the employee fails to conduct a diligent job search, if the employee is released to work without restrictions, or if the employee is terminated for misconduct. Temporary partial disability benefits (TPD): Temporary partial disability benefits are wage loss benefits available to an injured worker who is back at work but is earning less than they were at the date of injury due to his or her work restrictions. TPD benefits are calculated by subtracting a worker’s post-injury earnings from their average weekly wage (AWW) at the time of the injury. The difference is then multiplied by 2/3 to determine the amount of temporary partial disability benefits. This benefit is limited to 225 weeks and is not payable more than 450 weeks after the date of the injury. Permanent total disability benefits (PTD): Permanent total disability benefits are available for injured workers who are permanently prevented from performing any substantial gainful employment. This wage loss benefits is payable as 2/3 of the worker’s average weekly wage (AWW) through age 67. As of October 1, 1995, in order to qualify for permanent total disability (PTD) benefits, an injured worker must meet certain thresholds in addition to showing he or she is physically incapable of substantial gainful employment. Permanent Partial Disability Benefits Permanent partial disability (PPD) or permanency benefits is a payment for the loss of use of a body function. PPD benefits are paid in accordance with the permanent partial disability schedules set forth by the Department of Labor and Industry. These benefits are payable weekly or as a lump sum. Rehabilitation Benefits Rehabilitation benefits are available to injured workers that are having difficulty returning to their former job due to their work injury. Vocational rehabilitation services are provided by a Qualified Rehabilitation Consultant (QRC). You have the right to choose your own QRC. A QRC will provide you with an initial consultation to determine whether you're entitled to rehabilitation services. Rehabilitation services can include medical management, return to work services, job search and placement services, or formal retraining.