One of the key ideas behind workers’ comp laws is that the employer provides a benefit to an employee that covers any on-the-job injury, regardless of what that injury may be and without having to determine who was at fault. The fact is that there are real limits behind the type of injury and even how the injury occurred.
Such an exclusion occurs when an employee is injured while engaging in an illegal activity or if the injury was self-inflected. If the injury occurred while the employee was under the influence of drugs or alcohol, then they will not be covered. An employee may also not be covered if they were engaging in a restricted activity.
However, there are many injuries that are covered by workplace accidents and they can happen on or off the employer’s property. If you have been injured on the job, you may be entitled to workers’ comp benefits to help you pay your living expenses, as well as provide you with the medical care and vocational services that you need.
UNDERSTANDING THE TYPES OF WORKPLACE INJURIES
An injury incurred on the job is not considered a valid injury for work comp purposes if it was an injury that occurred due to committing a crime, did not occur while on the clock, was self-inflicted, was due to a pre-existing condition unless worsened by current work, or resulted from the use of alcohol or drugs. An injury may also not be covered by workers’ comp if it is determined that the injury occurred due to violating company policy.
Injuries that are covered under Minnesota work comp typically include physical injuries, including broken bones, head injuries, spinal injuries, amputated limbs, paralysis, eye injuries, burn injuries, repetitive motion injuries (carpal tunnel) and many others.
Illnesses may also be covered if the illness was caused by a hazardous job condition. For instance, exposure to a toxic substance and exposure to substances that can cause cancer or respiratory illnesses can usually trigger Minnesota work comp benefits.
Mental illnesses or traumatic emotional experiences at work are tricky. These areas have gained some recent momentum under Minnesota work comp. A person who experiences an event at work that causes emotional trauma resulting in post-traumatic stress disorder (PTSD could possibly qualify for Minnesota work comp benefits if it is deemed impossible for a person to return to work or a person can only work in a limited capacity because of the traumatic experience.
HELPING YOU GET THE COMPENSATION YOU DESERVE
When you have experienced any of the aforementioned types of injuries, it is important to notify your employer, your doctor, and your Minnesota workers’ comp attorney. That way the process toward filing your workers’ comp claim can begin. Minnesota work comp benefits are designed to help you get through your injury, recover, and return to work.
CONTACT A ST. PAUL WORK COMP LAWYER
As noted, several types of injuries are excluded from Minnesota work comp benefits. It is not uncommon for an employer or the insurance company to claim a legitimate work comp injury falls under one of the excluded categories and thereby attempt to deny work comp benefits. If you have been injured on the job, our experienced St. Paul workers’ comp attorneys can help you obtain your benefits as soon as possible, as well as remove a great deal of stress from the process. Call us today to schedule your free consultation. There is no upfront fee if you decide to hire our St. Paul work comp lawyers to help recover your Minnesota work comp benefits.