Regardless of their job, every worker deserves an environment where their well-being is a priority. In Minnesota, the law reflects this value by mandating allS employers to carry workers’ compensation insurance. Unfortunately, not everyone plays by the rules.
While some employers fail to provide the required coverage, certain employees take advantage of the system, undermining the very protections meant to help people.
The damage caused by workers’ compensation fraud is significant. What does it look like, and what role do job injury attorneys in Minnesota play?
Workers’ Compensation: The Basics
Workers’ compensation is a form of insurance that, when carried by an employer, provides support to employees who experience injuries or illnesses related to their jobs. Through the no-fault system, those who suffer from workplace accidents may receive wage-loss, medical, and vocational rehabilitation benefits. How does the claims process go?
Step 1: Employee Notifies Employer and Seeks Medical Attention
When a worker sustains an injury on the job, they should promptly inform their employer and seek medical care. It is ideal to work closely with an attorney for workers’ compensation in Minneapolis or other cities.
Step 2: Employer Completes a First Report of Injury (FROI) Form
After being notified, the employer must file a First Report of Injury (FROI) with their insurance provider and the Minnesota Department of Labor and Industry (DLI). This form documents the nature of the injury and initiates the claim process.
Step 3: The Employer’s Insurer Accepts or Denies the Claim
Once the insurer reviews the details, it will either accept or deny the claim. This phase proves that consulting a work injury law firm in Minnesota right from the start is smart.
If the insurer approves the claim, a lawyer ensures the employee receives full benefits without delay. If denied, legal support may appeal the decision and pursue compensation.
What Is Workers’ Compensation Fraud?
It’s important to know that workers’ compensation protects both employees and employers. When fraud enters the equation, it affects both, as well as the system and its integrity.
According to Minnesota law, workers’ compensation fraud is when someone knowingly attempts to get benefits by misrepresenting, misstating, or failing to disclose important facts about their condition or situation.
Simply put, it is stealing money and resources from an insurance provider and, indirectly, the entire system.
Fraud takes several forms, including the following:
- Faking a work-related injury or illness
- Exaggerating the severity of an injury
- Reporting an injury occurred at work when it did not elsewhere
- Collecting benefits after fully recovering from an injury
- Not reporting other income sources while receiving wage-loss benefits
Fraud, Employers, and Employees
Employers rely on workers’ compensation in Minneapolis and across Minnesota to safeguard their workforce and business. It shields them from lawsuits, covers financial losses, and helps employees recover and return to work. As such, the fallout from fraud can be severe.
Insurers face higher costs and, in turn, raise premiums for all policyholders. Businesses go through operational disruptions due to investigations, disputes, or legal actions and encounter public scrutiny or internal distrust.
As for employees, fraudulent claims clog the system. Honest workers, then, find it hard to get timely benefits. They may feel the need to prove their injuries more than necessary, adding stress to an already difficult situation. When insurers lose money to fraud, they become more conservative with payouts or impose stricter requirements on valid claims.
Reporting Workers’ Compensation Fraud
Workers’ compensation fraud results in a system that is more difficult to navigate for the people who truly need it – stopping it is crucial.
You can report suspected fraud to the Minnesota Department of Public Safety’s Bureau of Criminal Apprehension. Submit a report online, phone (651) 793-3750 or (888) 372-8366, or email mnfraud.bureau@state.mn.us.
You are not required to state your name. However, the information you give must be specific and factual.
Count on the authorities to investigate potential fraud cases thoroughly. Anyone proven to have submitted fraudulent workers’ compensation claims can face penalties and even imprisonment.
Reporting fraud is not about pointing fingers but ensuring a fair and functional workers’ compensation system for everyone.
Workers’ Compensation in Minneapolis and Beyond
Workers’ compensation is a powerful tool for the workforce and business owners, but only when used honestly. Whether you are an employer, an injured employee, or someone who suspects fraud, understanding your rights and responsibilities is the first step.
Every work injury law firm in Minnesota should operate with integrity, advocating for its clients while respecting the law. At Osterbauer Law Firm, we are proud to be a team that fights for what is right.
Our experienced job injury attorneys in Minnesota serve throughout the state, and you can trust us to always stand on the side of justice and accountability. If you need assistance with workers’ compensation claims or have concerns about fraud, do not hesitate to reach out. We will champion truthfulness with you.
Call Osterbauer Law Firm at (612) 334-3434 or contact us online for a free consultation.