Three Types of Wage Loss Benefits For Workers Compensation Claims in Minnesota
Temporary Total DisabilityThis benefits is paid a 2/3 of your average weekly wage. It is common for insurers to fail to calculate this accurately, usually in their favor. In calculating the average weekly wage, you do not count any benefits such has employer contributions to health insurance or pension. Other benefits such as use of a car or free housing could be added to the calculation. Also, do not foget to include 2nd jobs or your self-employment. The limit on this type of benefit is between 104 and 130 weeks, subject to other events which could stop your benefits. The current minimum compensation rate is $130 per week.
Temporary Partial DisabilityIf your disability diminishes your earning capacity and you get a job at a wage loss, then this benefit is paid for up to 225 weeks. The amount of the benefit is 2/3 of the difference between your average weekly wage and your new wage.
Permanent Total DisabilityThis benefit is paid at 2/3 of your average weekly wage or at the minimum compensation rate which is often more. This will be paid up until the age you would have retired. There is a presumption that you would have retired at age 67. So, unless you have a clear viable plan to retire at a certain age, you should never volunteer an age that you plan to retire to your employer. Such a statement could be used to cut off benefits.