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How to get Health Insurance in Minnesota?
Nearly 18 million people have gained health insurance due to the Affordable Care Act, but 10.5 million are still uninsured and could sign up for plans on state and federal exchanges. Open enrollment in the federal and state exchanges start Nov. 1. Minnesota is also providing a limited special enrollment period for Minnesotans who were…
How to get a Handicap Parking Permit?
Obtain a handicap parking permit by following these four steps: Print off the disability form at https://dps.mn.gov/divisions/dvs/forms-documents/Documents/MV_DisabilityParkingCertificate.pdf. Complete the top portion of the form and sign it. Ask your doctor to fill out the lower portion and sign it. Mail the application to the address on the back of the form or drop it off…
Why Workers’ Compensation Benefits Versus Group Disability Benefits?
Taxes – Unlike group benefits, workers’ compensation benefits are not subject to taxes. More Money – Workers’ Compensation benefits may pay at a higher rate. Medical Coverage – Workers’ Compensation pays all of your medical bills with no co-pays. Denied – Group disability policies may deny your claim if injury was due to a work…
Do I need to Report a Work Injury?
Should I report a work injury? Generally, if you tell your employer within 14 days after the injury, you have provided timely notice. If you tell your employer between 15 and 30 days after your injury, your employer may deny your claim due to late notice. If you tell your employer between 31 and 180…
Is Workers’ Compensation a Benefit or Burden?
The workers compensation system in Minnesota and other states were initially established to provide benefits such as wage loss, medical benefits and rehabilitation for injured workers. Now….things are changing, causing serious consequences for thousands of employees’ who have suffered serious injuries at work. A ProPublica and NPR investigation found that the cutbacks can be so…
What is a Qualified Rehabilitation Consultant (QRC)?
A qualified rehabilitation consultant (QRC) provides rehabilitation services, if you need help returning to work due to your injury. You have the right to choose your own QRC. If you do not, the insurer will refer you to one. There are specific time limits to request a different QRC, if this happens. It is important…