When you’ve been injured on the job, the last thing you expect is to be left without support. Minnesota’s workers’ compensation system was designed to provide medical care and wage-loss benefits when employees can’t work due to job-related injuries or illnesses. But far too often, claims are denied, leaving workers overwhelmed and unsure of what to do next. Understanding the workers’ comp claim denial reasons in MN is the first step to protecting your rights.
At the Criminal Defense Attorney & Workers Compensation Law Offices of Arechigo & Stokka, we know how devastating a denied claim can be for you and your family. Our attorneys bring decades of experience in navigating Minnesota’s workers’ compensation system and standing up to insurance companies that may not have your best interests in mind.
Workers’ Comp Denials Are More Common Than You Think
If your claim was denied, you are not alone. According to the Minnesota Department of Labor and Industry (DLI), approximately 16% of non-COVID-related workers’ compensation claims in Minnesota are denied initially each year. These denials can stem from paperwork errors, disputes about medical evidence, or allegations that your injury isn’t work-related.
For workers already struggling with pain and lost income, a denial only adds to the stress. You may be wondering: What went wrong? Did I make a mistake? Do I have options?
Know the Common Workers’ Comp Claim Denial Reasons in MN
The good news is that most denials can be traced to a few common issues. By understanding these reasons, you’ll be better equipped to avoid mistakes and strengthen your case. Below are some of the most frequent reasons for a workers’ comp denial after injury in Minnesota.
1. Late Reporting of Injury
Minnesota law requires employees to notify their employer of a work-related injury within 14 days. If you wait too long, your employer’s insurance company may deny the claim.
Always report your injury as soon as possible, preferably in writing, to protect your eligibility.
2. Disputes Over Whether the Injury Was Work-Related
Employers and insurers may argue that your injury didn’t happen at work or wasn’t caused by your job duties. For example, they may claim that you hurt your back doing yardwork at home rather than at work.
Medical records, witness statements, and accident reports can help prove that your condition is job-related.
3. Insufficient Medical Evidence
If your doctor doesn’t clearly connect your injury to your workplace or if you fail to follow prescribed treatment, insurers may deny your claim. Minnesota law requires medical documentation showing that the condition is directly related to your work activities. Getting a second medical opinion can sometimes strengthen your case.
4. Employer or Insurer Alleging Misconduct
Benefits can be denied if the insurer claims your injury was caused by horseplay, intoxication, or intentional misconduct. Minnesota law allows for denial in these cases.
If this happens, legal representation is essential to protect your rights.
5. Missed Deadlines for Filing a Claim
Under the Minnesota statute of limitations, claims must generally be filed within three years from the date the employer filed the First Report of Injury, or within six years if no report was filed.
Missing this statute of limitations can result in a permanent denial.
6. Pre-Existing Conditions
Insurers may argue that your injury stems from a prior medical condition rather than your current job. While pre-existing conditions don’t automatically disqualify you, insurers often use this as a denial tactic.
With the right legal guidance, you can present medical evidence to show how your job aggravated the condition.
What Happens After a Denial
Facing denied workers’ compensation benefits in Minnesota can leave you without income or access to the medical care you desperately need. Many workers feel hopeless, but it’s important to know that a denial is not the end of the road.
You have the right to challenge the decision and seek a fair review of your case.
Appealing a Rejected Workers’ Comp Claim in MN
If your claim has been denied, Minnesota law provides a structured appeals process through the Department of Labor and Industry and the Office of Administrative Hearings. This process includes:
- Filing an employee’s claim petition. This document outlines your injury, benefits sought, and the reason you believe you’re entitled to compensation.
- Mediation or settlement conferences. You will have the opportunity to resolve disputes without a formal trial.
- Workers’ compensation hearing. If settlement fails, a compensation judge will hear your case and issue a ruling.
While the process may seem intimidating, having an attorney on your side significantly increases your chances of success when appealing a rejected workers’ comp claim in MN.
Why Choosing the Right Lawyer Matters
At Arechigo & Stokka, we understand that every case is personal. We know you’re not just fighting for benefits. You’re fighting for your health, your family, and your future. Our attorneys take the time to listen, gather the right evidence, and fight aggressively for your rights.
Because we’re a small, dedicated firm, you’ll always work directly with an experienced attorney, not a junior associate. We pride ourselves on offering the kind of personalized attention that larger firms often can’t.
You Don’t Have to Face a Workers’ Comp Denial Alone
Dealing with the aftermath of a workplace injury is stressful enough without worrying about complex laws and insurance denials. The workers’ comp claim denial reasons in MN are often technical and unfair, but with the right representation, you can push back.
At Arechigo & Stokka, we believe you deserve the chance to heal without financial ruin. Let us help you fight for the benefits you’re entitled to.
Contact Arechigo & Stokka Today
If your workers’ compensation claim has been denied, don’t wait. Every day you delay could hurt your case and extend your financial hardship. Contact our office in St. Paul, MN office at (651) 222-6603 today for a free consultation. We’ll explain your rights, guide you through the appeals process, and stand by your side every step of the way.
Resources
Claim filing deadline, Minn. Stat. §176.151 – Link
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