Workmens com?

[outdoor ran]

I just had to file a workmens com report at work for the first time because I missed 3 3/4 days of work after cutting my hand. Yesterday the insurance guy told me its the Mn law that they dont pay the first 3 days if theres less then 10 days missed. He said he might be able to pay for the 3/4 but wasnt sure because it wasnt a full day.

I do not get paid sick days despite being a full time employee for 9 years. So bascially I hurt myself doing my job and I'm out 4 days pay ? How messed up is that? SO I guess I learned if you get hurt make sure your out for at least 10 days

[anyfishwilldo]

You have got that right. Workers compensation is a pharse. I owned my own construction company for 7 years, and even when I had no employees, I need WC ins. The real kick in the sack on that deal is I as the business owner could not qualify to collect it if I was to get hurt. It was a legal way to extort $650 a year out of me.

[Sonicrunch]

Tis the punishment for getting hurt. You should have been more careful.

[Powerstroke]

Its my understanding that Work Comp will cover any med expenses and treatment related to the injury, but it doesn't apply to time and wages lost. Those are dealt with in sick days and long term and short term disability. As far as disiabilty is concerned you are right about the 10days and that only applies if you have that insurance. You should get paid in your sick days or some sort of vacation if you want. It sucks that you fell into a grey area.

If you don't get what you want then you should contact a lawyer. There are plenty of people who make a living dealing with cases like this.

9yrs of service has to count for something.

[PierBridge]

Some of blame has to go to WC Fraud.

[Ralph Wiggum]

I lost a half of a thumb in an accident a few years back. I don't know much about it, but worker's comp took care of all the medical expenses annd I believe paid me 2/3 wage for the week I was out.

I also got a decent sum of money for PPD (permanent partial disability?) but I think that came from the state or somewhere else.

Sorry to hear about your accident! It certainly sucks!

[echotrail]

Several years ago I broke my right arm at work. I asked my employer for some "Light duty" work. My employer put in writing that I could not come back to work until I was 100% recovered. I filed for workmans comp and received 5 hours of every workday paid by the insurance. My employer found out I took home more money because workmans comp payments are an insurance benefit and are non-taxable. My employer then offered me the "Light duty". I showed them their own letter and stayed home for over 3 months. They got kind of peeved when they saw my deer hunting pics proudly displaying my cast with the deer I shot.

[koonie]

Work comp is the biggest pain in the you know what ever!

You should look into getting reimbursed for your mileage to and from the doctor. It's not much but it's something.

I've been dealing with them since Dec of 2000 and it's been one hassle after another. I think they are hoping I just give up. I'm like a bad fungus I never go away.

[harvey lee]

I had the misfortune of dealing with WC for manys years. All I learned from this expierence is that they will do just about anything to get rid of you. It was a royal pain to get them to pay the bills and finally settled things the hard way in court. I would not wish anyone the pain of working with WC. Even after the court settlement in which they lost they still try to argue that they do not have to pay for all future medical when then is what the court stated.

I also believe that they will go to no end to try and get you to go away.

[vitalshot5]

all i can say is AFLAC!!!!!

[JohnMickish]

I tore my knee up at work a few years ago and WC took care of me 100%. I didn't get paid for the first 5 days,(most disabillity ins does the same, as well as unemployment) but then got paid 100%-no taxes taken out. They paid for the surgery and all meds and will pay for any medical bills that are directly related to that injury for life.

Don't let some guys get you scared off. Sure, you might have to jump thru a hoop or two and documentation is the key but workers comp is there for you.

[Down Deep]

I've worked with Work Comp for my company for over 20 years. Work Comp is a disability insurance policy that companies employing people in MN must carry and is required by State law. All provisons of MN Work Comp is statutory and has been passed by the MN State Legislature and signed by Governor. So any complaint anyone would have would be with their legislator or thier company for not providing sick leave benefits.

Work Comp does not pay for the first three days off due to work injury. It is like a deductible on your car insurance. An injured employee is paid after the 3rd day and so on. If there is lost time of 10 work days then the payment is made for the first 3 days. Payment is made for 2/3 of the 8 hours pay, but all pay received is considered insurance and is 100% tax free and does not need to be claimed as income at the end of the year. Employees may also utilize any disabilty benefits that they may have such as mortagage insurance or consumer loan insurance, however they must make claims for those on there own.

Work Comp also must pay for all medical expenses related to the injury including mileage to and from the medical facility.

If an employee's injury results in a disability then the employee can elect to be retrained for another job or the company can offer alternative employment. If the wage does not equal the wage of their previous job Work Comp picks up 2/3 of the difference which is tax free.

If the employee is unable to return to work there is either a lump-sum settlement or benefits will continue until the employee is retrained or find other suitable employment.

Minnesota's work comp is one of the most liberal systems in the USA.