Minnesota Workers' Compensation
Minnesota is known for its friendly people and beautiful and numerous lakes. However, the land of 10,000 lakes offers much more, and is known for its many small businesses and corporate headquarters.
Minnesota’s business industry really shined in recent years. The state is known for being the friendliest of all 50 states, over 11,000 lakes, and many campgrounds. Major Minnesota industries include agriculture, manufacturing, mining, energy production, and the service industry. Target, Best Buy, 3M, Mayo Clinic, Cargill, and Buffalo Wild Wings are all headquartered in Minnesota.
Small businesses in Minnesota employ more than 1.2 million people. This accounts for 48% of the state’s private work force, and with over 62,500 workplace injuries and 75 fatalities across all industries in 2018, small businesses need to make sure they have workers’ compensation insurance coverage.
Large businesses in Minnesota also self-insure and set aside funds that are dedicated to workers’ comp. Zenployers is a perfect match for this as well.
WC OverviewMinnesota has a no-fault system workers’ compensations system. That means it doesn’t matter if an employee caused their own injury by being careless. If they are otherwise eligible, they are entitled to benefits. However, there are some exceptions.
- Farm Workers
- Casual Employees (a person who is not working in normal operations with the business)
- Domestic Employee making less than $1,000 per 3-month span.
- All necessary medical treatment
- Repair or replacement of prosthetics
WC PayoutsYour worker’s comp insurance must pay for your employee’s medical treatment from day one for any work-related injury. Work-related illnesses are also covered under workers’ compensation law. Illnesses or conditions caused by exposure to harmful conditions (such as mold) or products (such as caustic chemicals) are all covered. If your employees are injured in this way at work in Minnesota, they may be entitled to benefits under workers’ compensation law.
Fatal injuries were by contact with an object or equipment
Fatal injuries were by employees’ age 65+
Fatal injuries were Females
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