The requirements for Workers comp in MN is defined by state law. Workers compensation insurance provides benefits to employees who get injured will on the job. Workers comp is designed to be a safety net for workers that have been disabled or temporarily unable to work due to an injury sustained while on the job.
If someone is injured while working, then they are potentially eligible for payments through workers comp in MN to cover medical expenses and any lost wages.
Although the workers’ compensation laws are different from state to state, there are some common things that apply to every state.
Generally, workers comp is a no-fault system which means that workers are protected when they are injured, and they are not required to prove the employer did anything wrong or were negligent. However, the injury has to occur while the employee was working within the course and scope of their duties.
The workers’ compensation benefits are available to the majority of workers with a few exceptions. Federal employees are not covered under the state workers’ compensation insurance. They are covered under the federal workers’ compensation insurance program which is different.
Generally speaking, Minnesota law requires all employers to provide workers compensation insurance. However, employers and businesses to be exempted from carrying workers comp in MN. These are:
A business that is a sole proprietorship or partnership is not required to carry workers comp for their spouse or immediate family member. They are required to carry it for other employees.
An LLC or Limited Liability Corporation does not have to carry workers’ compensation insurance if they employ less than eleven members and has less than 22,800 hours of payroll in a calendar year.
Although Minnesota state law does not require these businesses to carry workers’ compensation insurance may elect to do so.
