Dealing with a work-related injury can be overwhelming, especially when you're worried about your health insurance coverage. If you're wondering, "Who pays for my health insurance while on workers' comp in MN?" you're not alone. This complex issue affects many Minnesotans yearly, but understanding your rights is crucial for protecting your health and financial well-being.

At Mottaz & Sisk Injury and Work Compensation Lawyers, we have years of knowledge and industry experience. Call us at

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Understanding Your Legal Rights in Workers' Compensation

Minnesota law provides specific protections for injured workers, including provisions for health insurance coverage during workers' compensation. While the system can be complex, knowing your rights is the first step towards ensuring you receive the benefits you're entitled to. Remember, seeking guidance from a Minnesota workers’ compensation attorney can help clarify your unique situation.

The Basics of Health Insurance During Workers' Comp

Your employer must generally continue your health insurance coverage while you're on workers' comp. If you were enrolled in your employer's health insurance plan before your work-related injury, your coverage should continue during your workers' compensation period. However, there are some important nuances to understand.

  • Your employer must continue your health insurance as long as you remain an employee.

  • You may need to continue paying your portion of the premiums

  • Coverage typically lasts while you are still employed.

Tip: Keep detailed records of your health insurance payments and any communications with your employer about your coverage.

Who Foots the Bill? Employer Responsibilities and Your Rights

Your employer maintains your health insurance coverage in Minnesota during workers' comp. This means they should continue to pay their portion of your health insurance premiums. However, you may still be required to pay your share of the premiums as you did before your injury. It's crucial to stay on top of these payments to avoid any lapse in coverage.

Tip: If you're having trouble making your premium payments due to lost wages, consult with a workers' compensation attorney in Minnesota to explore your options.

What Happens If Your Employment Is Terminated?

The question "Can you file a workers comp claim after termination?" often arises in these situations. While your employer isn't obligated to continue your health insurance if you're no longer an employee, you may have other options. COBRA coverage could allow you to maintain your health insurance, albeit at a higher cost. A Minnesota workers' compensation lawyer can help you navigate these complex scenarios.

Timeline of Health Insurance Coverage in Workers' Comp Cases

Understanding how long your health insurance coverage will last is crucial for medical care planning. Generally, your coverage should continue for the duration of your workers' comp claim. However, the length of time can vary depending on factors such as your injury's severity and employment status.

Tip: Keep track of important dates related to your workers' comp claim and health insurance coverage to avoid surprises.

Navigating Long-Term Workers' Comp Claims

For those wondering, "How long can you be on workers comp in MN," the answer isn't always straightforward. While Minnesota has no set time limit for workers' comp benefits, long-term claims can complicate health insurance coverage. In these cases, working with a workers' compensation insurance lawyer becomes even more critical to protect your rights.

Medical Benefits and Workers' Comp: What's Covered?

Workers' compensation in Minnesota covers all reasonable and necessary medical treatment related to your work injury. This is separate from your regular health insurance coverage. Understanding the interplay between workers' comp medical benefits and your health insurance can help you maximize your coverage and minimize out-of-pocket expenses.

  • Workers' comp covers injury-related medical expenses.

  • Regular health insurance covers non-work-related medical needs

  • Coordination between the two can be complex

Tip: Keep detailed records of all medical treatments and bills to ensure proper coverage and reimbursement.

Factory Accident Claims and Compensation

Factory accidents often result in complex workers' comp claims that can impact health insurance coverage. Understanding your rights to workers' comp benefits and continued health insurance is crucial if you've suffered a factory accident. A Minnesota workers' compensation attorney can help you navigate the intricacies of factory accident compensation and ensure you receive all the benefits you're entitled to.

Protecting Your Rights: When to Seek Legal Help

While the MN workers' compensation rules are designed to protect injured workers, the system can be complex and challenging to navigate. If you're facing issues with your health insurance coverage during a workers' comp claim, it may be time to seek legal assistance. A workers comp lawyer in MN can advocate on your behalf and help ensure your rights are protected.

Tip: Don't hesitate to seek legal help if you encounter any issues with your health insurance coverage or workers' comp benefits.

How a Minnesota Workers Compensation Attorney Can Help

A skilled Minnesota workers' compensation lawyer can provide invaluable assistance in several ways:

  • Explaining your rights and options regarding health insurance coverage

  • Negotiating with employers and insurance companies on your behalf

  • Ensuring you receive all the benefits you're entitled to under MN law

  • Representing you in hearings or appeals if necessary

Tip: Look for a workers comp attorney with experience in cases similar to yours for the best possible representation.

Frequently Asked Questions

1. Can my Minnesota employer cancel my health insurance while I'm on workers' compensation?

Generally, no. Your employer must continue your health insurance coverage while you're on workers' comp as long as you remain an employee and continue to pay your portion of the premiums.

2. How long does a workers' comp claim process in MN?

The processing time can vary, but typically, insurance companies have 14 days from the date they receive notice of your injury to either begin paying benefits or deny your claim.

3. What if I can't afford to pay my portion of the health insurance premiums while on workers' comp?

If you struggle to pay your premiums due to lost wages, consult a Minnesota workers' compensation attorney. They can help you explore options or negotiate with your employer.

4. Are all my medical expenses covered by workers' comp in Minnesota?

Workers' comp should cover all reasonable and necessary medical expenses related to your work injury. However, your regular health insurance will still cover non-work-related medical needs.

5. What should I do if my employer terminates my health insurance while I'm on workers' comp?

If your employer wrongfully terminates your health insurance, contact a workers' compensation lawyer in Minnesota immediately. They can help you understand your rights and take appropriate action to reinstate your coverage.

Work with a Workers Compensation Lawyer

Navigating the complexities of health insurance coverage during a workers' comp claim can be challenging. If you're facing issues or have questions about your rights, consider contacting a Minnesota workers’ compensation attorney. They can provide the guidance and advocacy you need to ensure your rights are protected, and you receive the benefits you're entitled to under Minnesota law.

Mottaz & Sisk Injury Law has 20+ years of experience dealing with work injury matters. Please call us at

for a free consultation if you have experienced a work injury.