Minnesota Workers' Compensation

What Are Wage Loss Benefits?

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Do I Qualify For Wage Loss Benefits?

If you cannot work because of your work injury or if you cannot earn your full wages because of your work injury, you may be entitled to wage loss benefits.

There is a waiting period of 3 days before injured workers are eligible for wage loss benefits. The waiting period is counted in consecutive calendar days, not work days, and starts the first day of disability (even if it is a partial day of disability). 

If there is disability on the 10th calendar day or beyond, compensation is owed from the first date of disability. 

What You Need To Know.

Wage loss benefits are calculated based on your average weekly wage (AWW) and include the following:

Temporary Total Disability (TTD) Benefits Explained

TTD benefits are available for periods of time when you are completely off work. This could be because your healthcare provider has taken you off work completely or your employer is not able to accommodate your restrictions. 

TTD benefits are paid at an amount that is two thirds of your average weekly wage. For example, if your average weekly wage is $900 per week, the weekly TTD check would be $600

The weekly TTD rate is subject to certain minimum and maximum rates, which depend on the date of injury and change periodically due to changes in the law.


Temporary Partial Disability (TPD) Benefits Explained

TPD benefits are paid if you return to work (either with your date-of-injury employer or another employer) and earn less than your average weekly wage because of your injury. 

TPD benefits are calculated based on your average weekly wage at the time of your injury and your gross weekly earnings. These benefits are based on weekly wages, not hourly wages, and are calculated on a weekly basis. 

For example, if your average weekly wage is $900 per week and you earned $600 in gross earnings in one week, the benefit owed to you would be $200 (two thirds of the difference) and calculated as follows:

$900 (average weekly wage) – $600 (gross earnings) = $300 (wage loss) x 2/3 = $200 (amount owed to employee for that week)


For injuries on or after October 1, 2018, injured workers can receive a maximum of 275 weeks of TPD benefits and cannot receive these benefits after 450 weeks have passed since the date of injury. These limits might not apply if you are in an approved retraining education program. 

Here are a few other things you need to know about TPD benefits:

We recommend that you submit a copy of your full pay statement to the adjuster as soon as you receive it in order to get paid TPD benefits as quickly as possible (and keep a copy of the correspondence for your records).

The Reason?

There tends to be more delays in TPD payments when injured workers rely exclusively on their employers to send pay statements over on their behalf. Employers frequently do not consistently submit pay statements on your behalf to the insurer to make TPD payments.

Permanent Total Disability (PTD) Benefits Explained.

PTD benefits are payable to employees who are not able to return to gainful employment. The PTD benefit amount is usually based on two-thirds of your average weekly wage. The minimum PTD rate is calculated at 65% of the statewide average weekly wage in effect at time (this typically changes yearly). 

The maximum rate is calculated the same as it is for TTD benefits.


Am I Eligible?

To be eligible for workers’ compensation, you must: 

Need Help Getting the Coverage You Deserve?

Every workers’ compensation case is unique, but there are standard protocols to follow in Minnesota to ensure you receive the pay and benefits owed to you.

The best advice we can give before getting started is to consult with a Minnesota workers’ compensation lawyer, who can advise you of your rights. 

At Meshbesher & Spence, we are well-versed in navigating not only your workers’ compensation claims, but also PERA and MSRS disability and Minnesota Statutes 299A.465. We understand the interplay between disability and workers’ compensation benefits and will work to maximize your overall recovery. 

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