If you sustain an injury while working, you may have a claim for worker’s compensation benefits. You may also have a personal injury claim against a third party for additional damages not covered by worker’s compensation.
You want to ensure you get the medical treatment and compensation needed to deal with any injuries.
Minnesota worker’s compensation should cover any medical treatment you need for your injuries. The coverage includes care as needed from a chiropractor, podiatrist or psychologist. Workers’ compensation should also cover expenses if you need hospitalization or surgery due to your worksite accident.
Choice of medical providers
You can generally choose the medical providers you want to get treatment from. Your employer can require you to see a provider who is part of a managed care network. Your employer can also designate approved pharmacies for medications and medical supplies that you must use. The selected locations must be 15 miles or less from your home. If you are part of a collective bargaining agreement, you may face additional restrictions on what providers you can use for treatment.
The insurance company may request that you have an independent medical examination to get an opinion on the type of treatment necessary for your injuries. Your employer or the insurance company selects this doctor. The examination location must be less than 150 miles from where you live. If your employer requests this examination, you must attend or risk losing your worker’s compensation benefits.
After a worksite injury, you should pursue medical treatment per the terms of your worker’s compensation coverage to ensure recovery.