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Worker's Comp Claim Kit.pdf - Frazee-Vergas Public Schools ...

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What to do:<br />

REPORTING A CLAIM<br />

Time is critical when an<br />

injury occurs<br />

• Obtain medical treatment immediately<br />

• Report the injury within 5 days to<br />

BERKLEY RISK ADMINISTRATORS CO.:<br />

• Provide the employee’s name, address & Social Security Number<br />

• Provide the date of the injury<br />

• Provide employer’s full name<br />

• Provide insurer’s name -> Riverport Insurance <strong>Comp</strong>any<br />

• Provide details about the accident including any concerns or questions<br />

surrounding the circumstances of the claim<br />

A claim number will be assigned for the claim<br />

• Please include the claim number on all correspondence including<br />

medical bills<br />

• Please let your employee know the claim number<br />

In greater Minnesota<br />

Call (800) 449-7707, Ext. 3461<br />

Within 5 Days of the injury<br />

– OR –<br />

<strong>Comp</strong>lete a Form Online: Go to www.berkleyrisk.com<br />

Select Submit FROI -> User ID & Password<br />

(If you already have a User ID and Password setup from MSBA, use it. If not, you can contact Keith Johnson at<br />

KeithHJohnson@BerkleyRisk.com or at 612-766-3841.)<br />

Fax the 1 st Report of Injury to: (800) 593-4578 or (612) 766-3599<br />

Email the 1 st Report of Injury to: bracfroi@berkleyrisk.com<br />

W O R K E R S’ C O M P E N S A T I O N<br />

REVISED 7/2009


Berkley Risk Administrators <strong>Comp</strong>any Contacts<br />

For Minnesota <strong>Public</strong> <strong>Schools</strong><br />

Insured by Riverport Insurance <strong>Comp</strong>any<br />

<strong>Claim</strong> Calls or Program Operation Calls:<br />

1-800-449-7707<br />

(Ask for Extension # of Contact Shown Below)<br />

PROGRAM OPERATIONS: PHONE: FAX: EMAIL ADDRESS:<br />

Kin Brenckman<br />

Account Manager<br />

Ext. 3301<br />

612-766-3301<br />

612-766-3399 kbrenckman@berkleyrisk.com<br />

CLAIMS OPERATIONS: PHONE: FAX: EMAIL ADDRESS:<br />

Mike Sternal<br />

<strong>Claim</strong>s Supervisor<br />

Sheryl Hart<br />

Senior <strong>Claim</strong> Examiner<br />

Lesa Kollodge<br />

Senior <strong>Claim</strong> Examiner<br />

Dan Ramsland<br />

Senior <strong>Claim</strong> Examiner<br />

John Stewart<br />

Senior <strong>Claim</strong> Examiner<br />

Marcia Wiczek<br />

Senior <strong>Claim</strong> Examiner<br />

Elaine Alexander<br />

Medical Examiner<br />

Ext. 3445<br />

612-766-3445<br />

Ext. 3415<br />

612-766-3415<br />

Ext. 3470<br />

612-766-3470<br />

Ext. 3467<br />

612-766-3467<br />

Ext. 3495<br />

612-766-3495<br />

Ext. 3468<br />

612-766-3468<br />

Ext. 3462<br />

612-766-3462<br />

612-766-3099 msternal@berkleyrisk.com<br />

763-712-1327 shart@berkleyrisk.com<br />

763-241-0550 lkollodge@berkleyrisk.com<br />

952-294-4709 dramsland@berkleyrisk.com<br />

612-766-3099 jstewart@berkleyrisk.com<br />

763-421-0459 mwiczek@berkleyrisk.com<br />

612-766-3099 ealexander@berkleyrisk.com<br />

COPY THE ENCLOSED<br />

FORMS TO REPLENISH YOUR SUPPLY<br />

Berkley Risk Administrators <strong>Comp</strong>any, LLC<br />

222 South Ninth Street, #1300, Minneapolis, MN 55402-3332 Revised 7/2009


Minnesota Department of Labor and Industry<br />

Workers’ <strong>Comp</strong>ensation Division<br />

PO Box 64221<br />

St. Paul, MN 55164-0221<br />

(651) 284-5030<br />

1. EMPLOYEE SOCIAL SECURITY # 2. OSHA Case #<br />

First Report of Injury<br />

See Instructions on Reverse Side<br />

PRINT IN INK or TYPE<br />

Enter dates in MM/DD/YYYY format.<br />

3. DATE OF CLAIMED INJURY 4. Time of<br />

injury<br />

am<br />

pm<br />

5. Time employee<br />

began work on date<br />

of injury<br />

am<br />

pm<br />

6. EMPLOYEE Name (last, first, middle) 7. Gender<br />

8. Marital Married<br />

M F<br />

Status Unmarried<br />

9. Home Address 10. Home phone # 11. Date of birth<br />

City State Zip Code 12. Occupation 13. Regular department 14. Date hired<br />

15. Average weekly wage 16. Rate per hour 17. Hours per day 18. Days per week 19. Employment<br />

Status<br />

Full time<br />

Seasonal<br />

Part time<br />

Volunteer<br />

20. Weekly value of: Meals Lodging 2 nd Income 21. Apprentice Yes No<br />

22. Tell us how the injury occurred and what the employee was doing before the incident (give details). Examples: “Worker was driving lift truck with a pallet of boxes when<br />

the truck tipped, pinning worker’s left leg under drive shaft.” “Worker developed soreness in left wrist over time from daily computer key entry.”<br />

23. What was the injury or illness (include the part(s) of body)? Examples: chemical<br />

burn left hand, broken left leg, carpal tunnel syndrome in left wrist.<br />

25. Did injury occur on employer’s premises?<br />

Yes No<br />

If no, indicate name and address of place of occurrence<br />

24. What tools, equipment, machines, objects, or substances were involved?<br />

Examples: chlorine, hand sprayer, pallet lift truck, computer keyboard.<br />

26. Date of first day of any lost time 27. Employer paid for lost time on day of injury (DOI)<br />

Yes No No lost time on DOI<br />

28. Date employer notified of injury 29. Date employer notified of lost time<br />

30. Return to work date 31. Date of death<br />

32. TREATING PHYSICIAN (name, address, and phone) 33. HOSPITAL/CLINIC (name and address) (if any)<br />

36. EMPLOYER Legal name 37. EMPLOYER DBA name (if different)<br />

34. Emergency Room Visit<br />

Yes No<br />

35. Overnight in-patient<br />

Yes No<br />

38. Mailing address 39. Employer FEIN 40. Unemployment ID#<br />

City State Zip Code 41. Employer’s contact name and phone #<br />

42. Physical address (if different) 43. Witness (name and phone)<br />

City State Zip Code 44. NAICS code 45. Date form completed<br />

46. INSURER name 51. CLAIMS ADMIN COMPANY (CA) name (check one)<br />

47. Insured legal name 52. CA address<br />

48. Policy # or self-insured certificate # City State Zip Code<br />

49. Insurer FEIN 50. Date insurer received notice 53. CA FEIN 54. <strong>Claim</strong> #<br />

F R 0 1<br />

DO NOT USE THIS SPACE<br />

Insurer<br />

TPA<br />

MN FR01 (5/08) Copies to: Insurer, Employer, Employee, and Workers’ <strong>Comp</strong>ensation Division (if no insurer)


GENERAL INSTRUCTIONS TO THE EMPLOYER<br />

Filing this form is not an admission of liability. You must report a claim to your insurer whenever anyone believes that a workrelated<br />

injury or illness that requires medical care or lost time from work has occurred. If the claimed injury wholly or partially<br />

incapacitates the employee for more than three calendar days, the claim must be made on this form and reported to your insurer within<br />

ten days. Your insurer may require you to file it sooner. Failure to file within the ten days may result in penalties. Self-insured<br />

employers have 14 days to file this form with the Department of Labor and Industry (Department). It is important to file this form quickly<br />

to allow your insurer time to investigate the claim. Your insurer will forward a copy of this form to the Department, if necessary.<br />

If the claim involves death or serious injury (including injuries that later result in death), you must notify the Department and your insurer<br />

within 48 hours of the occurrence. The claim can be reported initially to the Department by telephone (651-284-5041), fax (651-284-<br />

5731), or personal notice. The initial notice must be followed by the filing of this form within seven days of the occurrence.<br />

Employers are required to complete this form. Each piece of information is needed to determine liability and entitlement to benefits.<br />

Failure to complete the form may result in delayed processing and possible penalties. You must file this form with your insurer, and give<br />

a copy to the employee and the employee’s local union office. You are required to provide the employee with a copy of the Employee<br />

Information Sheet, which is available on the Department’s web site at www.doli.state.mn.us. Employees are not responsible for<br />

completing this form.<br />

SEND REPORT TO INSURER IMMEDIATELY – DO NOT WAIT FOR DOCTOR’S REPORT<br />

SPECIFIC INSTRUCTIONS FOR COMPLETING THIS FORM<br />

• Item 2: OSHA Case #. Fill in the case number from the OSHA 300 log. This form contains all items required by the OSHA form<br />

301.<br />

• Items 15-20: Fill in all the wage information. If the employee does not work a regularly scheduled work week, attach a 26 week<br />

wage statement so your insurer can calculate the appropriate average weekly wage.<br />

• Items 22-24: Be as specific as possible in describing: the events causing the injury; the nature of the injury (cut, sprain, burn, etc.),<br />

and the part(s) of body injured (back, arm, etc.); and the tools, equipment, machines, objects or substances involved.<br />

• Item 26: Fill in the first day the employee lost any time from work (including time lost for medical treatment), even if you paid the<br />

employee for the lost time.<br />

• Item 27: Check the appropriate box to indicate if there was lost time on the date of injury and whether you paid for that lost time.<br />

• Item 28: Fill in the date you first became aware of the injury or illness.<br />

• Item 29: Fill in the date you became aware that the lost time indicated in Item 26 was related to the claimed injury.<br />

• Item 30: Leave the box blank if the employee has not returned to work by the time you file this form. If the employee has returned to<br />

work, fill in the date and notify your insurer if the employee misses time due to this injury after that date.<br />

• Item 39: Fill in your Federal Employment ID number (FEIN). For information on this number, see www.firstgov.gov and click on<br />

Employer ID Number under Business.<br />

• Items 40 and 44: Fill in your Unemployment ID number and North American Industry Classification System (NAICS) code which are<br />

both assigned by the Minnesota Unemployment Insurance Program (651-296-6141).<br />

• Items 46-54: Your insurer or claims administrator will complete this information.<br />

INSTRUCTIONS TO THE INSURER/CLAIMS ADMINISTRATOR/SELF-INSURED EMPLOYER<br />

The following data elements must be completed on this form prior to filing with the Department of Labor and Industry: employee’s<br />

name and social security number; date of injury; and the names of the employer and insurer. If any of this information is missing, the<br />

First Report will be rejected and returned to you (per Minn. Stat. § 176.275). Providing the name of the third party administrator does<br />

not meet the statutory requirement to provide the name of the insurer. NOTE: If the claim does not involve lost time beyond the waiting<br />

period or potential PPD, the form does NOT need to be filed with the Department.<br />

• Item 46: Fill in the name of the insurance company. If the employer is self-insured, indicate the name of the licensed or public selfinsured<br />

company or group.<br />

• Items 47-48: Fill in the legal name of the employer who purchased the policy from the insurer (named in Item 46) and the policy<br />

number. If the employer is licensed to self-insure, fill in the certificate number.<br />

• Item 49: Fill in the insurer’s Federal Employment ID number (FEIN) number.<br />

• Item 51: Fill in the name and address of the company administering the claim (either the insurer or third party administrator). Be<br />

sure to mark either the “Insurer” or “TPA” box.<br />

• Item 53-54: Fill in the claims administrator’s FEIN and claim number.<br />

This material can be made available in different forms, such as large print, Braille or on a tape. To request, call (651) 284-5030<br />

or 1-800-342-5354 (DIAL-DLI)/Voice or TDD (651) 297-4198.<br />

ANY PERSON WHO, WITH INTENT TO DEFRAUD, RECEIVES WORKERS’ COMPENSATION BENEFITS TO WHICH THE<br />

PERSON IS NOT ENTITLED BY KNOWINGLY MISREPRESENTING, MISSTATING, OR FAILING TO DISCLOSE ANY MATERIAL<br />

FACT IS GUILTY OF THEFT AND SHALL BE SENTENCED PURSUANT TO SECTION 609.52, SUBDIVISION 3.


SUPERVISOR'S REPORT OF ACCIDENT<br />

(PLEASE READ AND FOLLOW INSTRUCTIONS ON BACK)<br />

EVERY ACCIDENT SHOULD BE INVESTIGATED AND THE CAUSES CORRECTED SO THAT MORE ACCIDENTS WILL NOT OCCUR. DO NOT OVERLOOK<br />

THE SO-CALLED "UNIMPORTANT" CASES, BECAUSE, EXCEPT FOR "CHANCE" THEY COULD ALSO HAVE BEEN SERIOUS. IT IS ONLY BY THOROUGH<br />

INVESTIGATION THAT MANY OF THE REAL CAUSES CAN BE DETERMINED AND CORRECTED.<br />

NAME OF EMPLOYEE<br />

DATE OF ACCIDENT<br />

HOURS LOST ON DATE OF ACCIDENT<br />

JOB TITLE<br />

TIME<br />

COMPANY<br />

SERVICE WITH THE COMPANY<br />

DEPT.<br />

DID EMPLOYEE LOSE TIME FROM WORK? YES NO<br />

HAS EMPLOYEE RETURNED TO WORK? YES NO<br />

YEARS IN PRESENT JOB<br />

GIVE US YOUR HONEST COMMENTS ON QUESTIONS BELOW. WE ARE NOT TRYING TO<br />

BLAME ANYONE. YOUR OPINION MAY HELP US PREVENT ACCIDENT REPETITION.<br />

PLEASE ANSWER THE FOLLOWING: CHECK "YES" OR "NO"<br />

1. WAS INJURED PERSON PROPERLY INSTRUCTED IN SAFE AND EFFICIENT METHODS? ................................... YES NO<br />

2. DID INJURED PERSON VIOLATE ANY INSTRUCTIONS?............................................................................................ NO YES<br />

3. WAS NECESSARY PROTECTIVE EQUIPMENT WORN? (IF APPLICABLE) .............................................................. YES NO<br />

4. DID POOR HOUSEKEEPING CONTRIBUTE TO INJURY? ........................................................................................... NO YES<br />

5. DID HORSEPLAY CAUSE THE INJURY? ...................................................................................................................... NO YES<br />

6. WAS IT CAUSED BY SOMETHING WHICH NEEDED REPAIRS? ................................................................................ NO YES<br />

7. SHOULD A GUARD BE PROVIDED? ............................................................................................................................. NO YES<br />

8. DID ANY BODILY DEFECT CONTRIBUTE TO INJURY? .............................................................................................. NO YES<br />

9. WAS IT CAUSED BY AN UNSAFE ACT? ....................................................................................................................... NO YES<br />

10. DID INJURED REPORT THE INJURY TO YOU, THE SUPERVISOR, IMMEDIATELY? ............................................... YES NO<br />

ACCIDENT. (DESCRIBE WHAT INJURED WAS DOING AT TIME OF ACCIDENT, WHAT HAPPENED, WHO WAS INVOLVED, NATURE OF INJURY, PART OF<br />

BODY AFFECTED.)<br />

WITNESSES' NAMES<br />

UNSAFE ACTS. (WHAT DID THE EMPLOYEE OR ANOTHER PERSON DO INCORRECTLY?)<br />

UNSAFE CONDITIONS. (WHAT UNGUARDED OR UNSAFE CONDITION OF MACHINERY, EQUIPMENT, BUILDING OR PREMISES WAS INVOLVED?)<br />

ACTIONS TAKEN. (WHAT DID YOU DO TO CORRECT THE CONDITIONS WHICH CAUSED THIS INJURY?)<br />

REMEDIES. (WHAT SHOULD YOUR ORGANIZATION DO TO PREVENT OTHER INJURIES LIKE THIS?)<br />

MEDICAL CARE. DID EMPLOYEE GO TO DOCTOR OR HOSPITAL? YES NO IF YES, COMPLETE THE FOLLOWING<br />

NAME OF DOCTOR OR HOSPITAL DATE OF INITIAL VISIT<br />

ADDRESS TELEPHONE NUMBER<br />

AS SUPERVISOR, DO YOU FEEL THAT THIS INJURY SHOULD BE COVERED UNDER WORKERS' COMPENSATION? YES NO<br />

REASONS WHY<br />

REPORT SUBMITTED BY DATE<br />

BRAC 2520 (10/99)


COMPLETION INSTRUCTIONS FOR SUPERVISORS' REPORT OF ACCIDENT (SRA)<br />

The primary purpose of the SRA is to investigate the accident. It is also used to report the accident to the central office where the First Report of Injury is then<br />

completed by administrative personnel. The SRA should be filled out as soon as possible after the accident.<br />

If the SRA is incomplete or delayed, corrective action may also be delayed. A delay in taking corrective action will probably result in the occurrence of a similar<br />

accident.<br />

The initial information asked for at the top of the SRA concerning the injured person's name, occupation, age, job history and loss of time from work is selfexplanatory,<br />

but very necessary for eventual completion of the First Report of Injury.<br />

The following is a line-by-line set of instructions for completing of the SRA by the Supervisor of the injured employee. Concrete examples of important parts of<br />

the form are given for your use. This report should not be completed by the injured employee.<br />

QUESTIONS<br />

1. Was proper instruction given to the employee on how to do the job safely? Supervisors should instruct their employees on how to do the job efficiently and<br />

safely.<br />

2. Referred to in question #1.<br />

3. The supervisor should have told the employee what personal protective equipment is necessary to do the job. Did the employee wear the personal protective<br />

equipment when this job was being done?<br />

4. Was the work area clean and well organized? i.e., scraps on the floor, blocked aisles, wet floor, spilled food, etc.<br />

5. Was there inadequate supervision? Did horseplay or practical jokes contribute to the accident?<br />

6. Was the injured person using equipment that was unsafe and in need of repair? i.e., broken ladder, bad electric cord on drill, etc.<br />

7. Would a guard prevent another accident from happening? i.e., guard around the belts and pulleys, railing properly in place, guard on saw, etc.<br />

8. Did this person have any bodily defects which might have helped cause the accident? i.e., poor vision, previous back injury, etc.<br />

9. Most injuries are caused in part by unsafe acts. An Unsafe Act is something that the injured person or another person did, that he or she should not have<br />

done, which led to the accident. Below is a list of the most common unsafe acts and contributing factors:<br />

1. Operating without authority<br />

2. Failure to warn or secure<br />

3. Operating at unsafe speed<br />

4. Making safety devices inoperative<br />

5. Using equipment, tools, materials or vehicles<br />

unsafely<br />

6 . Using defective equipment, materials, tools or<br />

vehicles<br />

7. Failure to use personal protective equipment<br />

8. Failure to use equipment provided (except<br />

personal protective equipment)<br />

9. Unsafe loading, placing and mixing<br />

10. Unsafe lifting and carrying (including insecure<br />

grip)<br />

11. Taking an unsafe position<br />

10. The accident should have been reported immediately to the supervisor; was it?<br />

12. Adjusting, clearing jams, cleaning<br />

machinery in motion<br />

13. Distracting, teasing<br />

14. Poor housekeeping practices<br />

15. Disregard of instructions<br />

16. Lack of knowledge or skill<br />

17. Act of other than injured<br />

18. Others .................<br />

Accident<br />

1. Describe what the injured was doing at the time of the accident.<br />

2. What happened?<br />

3. Who was involved?<br />

4. What injuries resulted?<br />

Example: John was drilling a hole in the ceiling and chips of plaster fell into his eye. (This answers questions 1 and 2.) John got chips of plaster in his eye,<br />

resulting in a scratch to his eye. John was wearing his prescription glasses. (This answers questions 3 and 4.)<br />

Note the names of witnesses, if any.<br />

Unsafe Act<br />

Refer to question 9 above and examples of Unsafe Acts. Example: John was not wearing proper personal protective equipment.<br />

Unsafe Conditions<br />

1. Defective tools, equipment, substances 5. Improper ventilation<br />

2. Unsafe design or construction 6. Improper dress<br />

3. Hazardous arrangement 7. Poor housekeeping<br />

4. Improper illumination 8. Congested area<br />

9. Other<br />

Action Taken Example: John has been re-instructed to wear proper personal protective equipment such as goggles or face shield when drilling overhead.<br />

Remedy Example: Standard safety policy should be adopted that requires use of personal protective equipment. This policy should be strictly enforced by the<br />

supervisors.<br />

Medical Care: Include all medical information that is known at this time. Do not delay the completion of this form for more complete information.<br />

As supervisor, do you feel that this injury should be covered under workers' compensation benefits? As a general rule, if the employee is injured while at<br />

work, that injury is covered under workers' compensation. However, if you as supervisor, have reason to suspect that the injury did not occur at work, please tell<br />

us. This is only an opinion and by itself will not deny benefits.


Minnesota Workers’ <strong>Comp</strong>ensation System Employee Information Sheet<br />

What does workers’ compensation pay for?<br />

• Medical care for the work injury, as long as it is reasonable and necessary<br />

• Wage-loss benefits for part of your lost income (there is a three-calendar-day waiting period before these benefits<br />

start)<br />

• Benefits for permanent damage or loss of function of a body part<br />

• Benefits to your spouse and/or dependents if you die of a work injury<br />

• Vocational rehabilitation services if you cannot return to your pre-injury job or to your pre-injury employer<br />

How are workers’ compensation benefits paid?<br />

Your worker’s compensation benefits are paid by an insurance company or your employer, if your employer is selfinsured.<br />

State law sets the benefit levels. Please note: pursuant to statute, the insurer can obtain medical information<br />

specific to your work injury without your authorization.<br />

If the insurer accepts your claim for wage loss benefits and you have been disabled for more than<br />

three calendar days.<br />

• The insurer will send you a copy of the Notice of Insurer’s Primary Liability Determination form stating your claim is<br />

accepted.<br />

• The insurer must start paying wage-loss benefits within 14 days of the date your employer knows about your work<br />

injury and lost wages. The insurer must pay benefits on time. Wage-loss benefits are paid at the same intervals as<br />

your work paychecks.<br />

If the insurer denies your claim for wage loss benefits:<br />

• The insurer will send you a copy of the Notice of Insurer’s Primary Liability Determination form stating it is denying<br />

primary liability for your claim. The form must clearly explain the facts and reasons why the insurer believes your<br />

injury or illness did not result from your work.<br />

• If you disagree with the denial, you should talk with the insurance claims adjuster who is handling your claim. Your<br />

employer’s insurance company can answer most questions about your claim.<br />

• Insurer name:<br />

Riverport Insurance <strong>Comp</strong>any c/o Berkley Risk Administrators <strong>Comp</strong>any, LLC<br />

Phone: (612) 766-3000 or (800) 449-7707<br />

• If you are not satisfied with the response you receive from the insurer and still disagree with the denial, you should<br />

contact the Department of Labor and Industry at one of the numbers listed below to see what to do next.<br />

If you have other questions or need more help, call the Minnesota Department of Labor and<br />

Industry Workers’ <strong>Comp</strong>ensation Hotline:<br />

Twin Cities and Southern Minnesota: (651) 284-5005 or 1-800-342-5354; TTY (651) 297-4198<br />

Duluth and Northern Minnesota: (218) 733-7810 or 1-800-365-4584<br />

Your call will be answered by experienced workers’ compensation specialists, who can provide instant and accurate<br />

information and assistance.<br />

Additional workers’ compensation information is available on the department’s Web site at:<br />

www.doli.state.mn.us<br />

Your employer is required by law to give you this information. This material can be made available in different<br />

formats, such as large print, Braille or on audiotape, by calling the numbers printed above.<br />

DOLI Updated April 2003 (format-change only). This form may be copied or reproduced electronically. Do not file this form with the department.<br />

BRAC 2535


* Reminder *<br />

Legislative Requirement for<br />

Employers<br />

Law Effective: August 1, 2000<br />

Employers are required to give their employee a copy of the<br />

enclosed Employee Information Sheet at the same time that<br />

the employee is given a copy of their First Report of Injury<br />

form (completed by the employer).<br />

To print a copy of the Employee Information Sheet in English or in Spanish, or for<br />

more information, go to the Minnesota Department of Labor & Industries website:<br />

www.doli.state.mn.us, (Insurer and Self-Insurer Information\Forms). If you<br />

cannot print a copy from the website, you can call DOLI’s department of Benefit<br />

Management and Resolution unit at (651) 284-5005 or 1-800-DIAL-DLI (1-800-<br />

342-5354) to request a copy.<br />

Berkley Risk Administrators <strong>Comp</strong>any, LLC<br />

222 South Ninth Street, Stuite 1300, Minneapolis, MN 55402-3332


Minnesota Workers’ <strong>Comp</strong>ensation<br />

Employee’s rights and responsibilities<br />

This notice is required by law to be posted in a conspicuous<br />

location wherever the employer is engaged in business.<br />

If you are injured:<br />

• Report any injury to your supervisor as soon as possible, no matter how minor it may appear. You may lose the right to workers’ compensation benefits if<br />

you do not timely report the injury to your employer. The time limit may be as short as 14 days, although under certain circumstances, it may be longer.<br />

• Provide your employer with as much information as possible about your injury so that a proper injury report can be filed.<br />

• Get any necessary medical treatment as soon as possible. If you are not covered by a certified managed care organization (CMCO), you may treat with a<br />

doctor of your choice. Your employer must notify you if you are covered by a CMCO.<br />

• Cooperate with all requests for information concerning your workers’ compensation claim. Please note: the law provides that the workers’ compensation<br />

insurer can obtain medical information specific to your work injury without your authorization, provided you are sent written notification of this request at the<br />

time the request is made.<br />

• Get written confirmation from your doctor on any authorization to be off work.<br />

What does workers’ compensation pay for?<br />

• Medical care for your work injury, as long as it is reasonable and necessary.<br />

• Wage-loss benefits for part of your lost income (There is a three-calendar-day waiting period before these benefits start.)<br />

• <strong>Comp</strong>ensation for permanent damage to or loss of function of a body part.<br />

• Benefits to your spouse and/or dependents if you die as a result of a work injury.<br />

• Vocational rehabilitation services if you cannot return to your pre-injury job or to your pre-injury employer due to your work injury.<br />

What the insurance company must do:<br />

• Investigate your claim promptly.<br />

• Within 14 days of when the claimed injury occurred or when your employer became aware of it, either begin payment of benefits due or file a denial of liability,<br />

explaining why benefits are being denied.<br />

Your employer is insured by the Riverport Insurance <strong>Comp</strong>any.<br />

Benefits due to you will be paid by:<br />

PO Box 59143 Minneapolis Minnesota 55459-0143 (612) 766-3000<br />

If the insurer accepts your claim for wage-loss benefits and you have been disabled for more than three calendar-days:<br />

• The insurer will send you a copy of the Notice of Insurer’s Primary Liability Determination form stating your claim is accepted.<br />

• The insurer must start paying wage-loss benefits within 14 days of the date your employer knows about your work injury and lost wages. The insurer must<br />

pay benefits on time. Wage-loss benefits are paid at the same intervals as your work paychecks.<br />

If the insurer denies your claim for wage-loss benefits:<br />

• The insurer will send you a copy of the Notice of Insurer’s Primary Liability Determination form stating it is denying primary liability for your claim. The form<br />

must clearly explain the facts and reasons why the insurer believes your injury or illness did not result from your work.<br />

• If you disagree with the denial, you should talk with the insurance claims adjuster who is handling your claim. Your employer’s insurance company can<br />

answer most questions about your claim.<br />

• If you are not satisfied with the response you receive from the insurer and still disagree with the denial, you should contact the Department of Labor and<br />

Industry at one of the numbers listed below to discuss your options.<br />

Fraud<br />

Collecting workers’ compensation benefits you are not entitled to is theft. Any theft of more than $500 is a felony.<br />

Any person who, with intent to defraud, receives workers’ compensation benefits to which the person is not entitled by knowingly misrepresenting, misstating, or<br />

failing to disclose any material fact is guilty of theft and shall be sentenced pursuant to section 609.52, subdivision 3.<br />

A suspected fraud can be reported by anyone. If you have reason to suspect someone is committing workers’ compensation fraud, call 1-888-FRAUD MN (1-888-<br />

372-8366). All suspected violations will be investigated.<br />

If you have questions or need more help, call the Minnesota Department of Labor and Industry:<br />

Workers’ <strong>Comp</strong>ensation Hotline<br />

1-800-DIAL-DLI<br />

(1-800-342-5354)<br />

8 a.m. to 4:30 p.m.,<br />

Monday-Friday<br />

Department of Labor and Industry<br />

Workers’ <strong>Comp</strong>ensation Division<br />

443 Lafayette Road N.<br />

St. Paul, MN 55155<br />

Phone: (651) 284-5032<br />

TDD: (651) 297-4198<br />

Department of Labor and Industry<br />

Workers’ <strong>Comp</strong>ensation Division<br />

5 N. Third Ave. W., Suite 400<br />

Duluth, MN 55802<br />

Phone: (218) 733-7810<br />

Toll-free: 1-800-365-4584<br />

Your claim will be answered by experienced workers’ compensation specialists who will provide instant, accurate information and assistance.<br />

Additional workers’ compensation information is available on the department Web site at www.doli.state.mn.us.<br />

August 2003 This document can be made available in alternative formats, such as Braille or audiotape, by calling (651) 284-5042 or (651) 297-4198/TDD. BRAC 2590 (10/03)

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