Detailed Answer
When accident-related injuries prevent you from working, Minnesota law offers several avenues to recover lost wages. Each path depends on the cause of injury, your employment status and applicable deadlines.
1. Workers’ Compensation Benefits
If you suffered injuries at work or during work duties, you can file a claim under Minnesota Statutes Chapter 176. These benefits cover medical expenses and provide partial wage replacement—generally two-thirds of your average weekly wage, subject to statutory maximums.
See Minn. Stat. § 176.101 for benefit schedules.
2. No-Fault Automobile Insurance (PIP)
If injuries arise from a car accident, you may recover up to 85% of your lost earnings through personal injury protection (PIP) under Minnesota’s no-fault law. PIP applies regardless of fault and covers reasonable and necessary work loss.
Refer to Minn. Stat. § 65B.43 for PIP details.
3. Personal Injury Lawsuit
If another party’s negligence caused your accident, you can sue for past and future lost wages. Minnesota’s statute of limitations for personal injury is generally six years from the date of injury.
See Minn. Stat. § 541.05.
4. Short-Term and Long-Term Disability Insurance
If you have private disability coverage through your employer or an individual policy, review your plan documents. Short-term disability typically replaces a percentage of wages for a limited period. Long-term disability begins after short-term benefits expire and can continue for years, depending on your policy.
5. Social Security Disability Benefits
If your injuries cause a lasting disability that prevents substantial gainful activity for at least 12 months, you may qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Visit the Social Security Administration for eligibility and application guidance.
6. Other Government Programs
You may qualify for partial unemployment benefits if you can work in a reduced capacity. The Minnesota Department of Employment and Economic Development (DEED) handles unemployment insurance claims. See DEED Unemployment Insurance.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney to discuss your specific circumstances.
Helpful Hints
- Document injuries and work-loss with medical records and employer reports.
- Notify your employer promptly of any workplace injury.
- File PIP claims with your auto insurer as soon as possible after an accident.
- Track all deadlines: workers’ comp, PIP and personal injury statutes of limitations.
- Keep detailed records of all medical bills, pay stubs and correspondence with insurers.
- Consider consulting an attorney experienced in Minnesota workers’ compensation or personal injury law.