Most people who work in Minnesota are covered by workers’ compensation insurance. When a worker is hurt, it is important that he or she understands the rights afforded by this insurance. According to the Minnesota Department of Labor & Industry, all employers are required to have insurance either through the state’s workers’ compensation program or another approved program that provides for employees who are hurt on the job.
Insurance of this type should cover lost wages and medical expenses for the worker. Individuals may also be able to get coverage for rehabilitation and training needed to be able to return to work. Injuries covered are any that are caused or aggravated by regular work activities and can include those caused by an accident or repetitive injuries caused over time.