How long does an employer have to file a workers’ comp claim?

When someone gets hurt at work, what happens next can affect not just their health, but their financial stability too. How long does an employer have to file a workers’ comp claim? In Minnesota, the rules are strict, and delays can hurt more than help. Employers are legally bound to act fast; when they don’t, the worker suffers.

At Schmidt & Salita Law Team, our Minnetonka-based workers’ compensation attorneys support individuals and families through these high-stress moments, ensuring they know their rights and how to hold employers accountable.

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What is the workers’ compensation process?

Workers’ compensation in Minnesota is a structured process designed to protect employees injured on the job or developing a work-related illness. It ensures workers receive necessary benefits such as wage-loss compensation, medical care, and vocational rehabilitation. The system also protects employers from civil court lawsuits for work-related injuries.

The process begins when an employee reports an injury to their employer. The employer must then file a First Report of Injury with their insurance carrier. From there, the insurer evaluates the claim, determines eligibility for benefits, and notifies the employee of the decision. Benefits typically begin promptly once a claim is accepted, although timelines can vary depending on the nature of the injury and the documentation involved.

Timely communication and documentation are critical throughout the process. Missed deadlines, incomplete information, or disputes over the injury can delay or reduce benefits. That’s why employers and employees must understand their roles and comply with the Minnesota Department of Labor and Industry’s process.

Steps to file a workers’ compensation claim

We know this process may feel overwhelming, especially when you’re injured. That’s why keeping records and asking questions at every stage is crucial:

• Tell your employer right away: Don’t delay. In Minnesota, you have 14 days to report the injury.
• The employer reports the injury: They must file a First Report of Injury (FROI) with their insurance carrier within 10 days.
• The insurer reviews the claim: They will assess your injury, review documentation, and decide whether to approve benefits.
• You’re notified of the decision: You’ll either begin receiving benefits or get a written notice of denial.
• You heal and plan your return: Depending on the severity, you may need physical therapy, retraining, or job modifications. You may also be assigned a Qualified Rehabilitation Consultant (QRC) to help you safely transition to suitable work within your medical restrictions.

How long do you have to file a workers’ compensation claim?

In Minnesota, employees must report work-related injuries within 14 days to maintain eligibility. If there’s a valid reason for the delay, that window can extend to 180 days in some situations.

On the other hand, employers must submit the First Report of Injury within 10 days of being notified. This isn’t optional—it’s a legal requirement. Missing this deadline can trigger penalties and, more importantly, hold up your access to benefits.

An employer failing to file the required paperwork after being notified of a work-related injury can delay or completely stall your access to medical treatment and wage-loss benefits. These delays aren’t just administrative setbacks—they can seriously impact your recovery and financial security. You are not stuck if your employer does not take the necessary steps. You have the right to take action and file the claim directly with the Minnesota Department of Labor and Industry.

Damages you can recover

Under Minnesota law, workers’ compensation can help cover various losses. These benefits are designed to support both short-term recovery and long-term livelihood. They can ease the financial burden and help injured employees regain stability while navigating life after an accident:

• Medical costs: Emergency care, long-term treatment, therapy, and medications.
• Lost wages: Including temporary or permanent disability pay, depending on your ability to return to work.
• Rehabilitation support: Job retraining, resume building, and placement assistance.
• Survivor benefits: Financial support for dependents in fatal cases.

These benefits are designed to keep you afloat while you recover. You may receive up to two-thirds of your weekly pay for wage-loss support. That might not replace every dollar, but it can make a real difference during recovery. We can help review what you qualify for based on your specific case.

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What if my claim was denied?

You have options if your workers’ compensation claim is denied. The insurance company may deny a claim for several reasons: they might argue the injury wasn’t work-related, was reported late, or that medical records don’t support your case. But denials aren’t the end of the road.

Here’s what you can do:

• Request a conference or hearing: You can file an Employee’s Claim Petition with the Minnesota Department of Labor and Industry.
• Collect supporting documents: Medical records, eyewitness accounts, or workplace footage can strengthen your case.
• Contact a legal representative: Navigating the appeal process without help can be overwhelming. A legal advocate can improve your chances of a fair outcome.

Even if you feel discouraged, remember that many initial denials are overturned upon review. Acting quickly and staying informed are essential steps.

How long do I have to appeal a denied claim in Minnesota?

You generally have three years from the date of denial to file an appeal through a Claim Petition. If no compensation has been paid at all, the window extends to six years from the date of injury. However, relying on the maximum limit is risky. The longer you wait, the harder it can be to gather solid evidence. Witnesses move on, paperwork gets misplaced, and your case may weaken over time. Reaching out early can keep your claim strong and your recovery on track.

What are my employer’s responsibilities after I report an injury?

Once you’ve informed your employer about a work-related injury, they are required by Minnesota law to act quickly and follow specific procedures. This isn’t just good practice—it’s mandatory.

Here’s what your employer must do:

• File a First Report of Injury (FROI) within 10 days and give you a copy for your records.
• Notify their workers’ compensation insurance carrier promptly and supply accurate incident details.
• Avoid any form of retaliation, including demotion, job reassignment, or termination, linked to your injury report.
• Assist with your return-to-work plan, especially if you’re medically cleared for light or modified duties.
• Maintain communication with you, the insurer, and your healthcare provider to prevent delays or misunderstandings.

When employers fail to meet these responsibilities, it can result in penalties for them and hardships for you. Delayed paperwork or vague communication often leads to stalled benefit approvals or outright denials. If you’re facing obstacles or feel like your injury is being downplayed or ignored, know that your employer’s silence is unacceptable, and you’re not powerless to respond.

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Can I be fired for filing a workers’ comp claim?

No, it’s illegal in Minnesota to fire or discipline an employee simply for filing a workers’ compensation claim. This protection ensures you can report an injury and seek help without fear. Unfortunately, some employers attempt to hide retaliation under vague performance claims or reorganizations. If you’ve been demoted, reassigned unfairly, or let go soon after reporting an injury, those are red flags. Document everything, save correspondence, and talk to someone who can advocate for your workplace rights. Retaliation not only affects your career, but it also adds unnecessary stress during an already difficult time.

How long does it take to receive workers’ compensation benefits in Minnesota?

Once your employer submits the necessary forms and the insurer approves your claim, you should receive your first wage-loss benefit payment within 14 days. Medical benefits often begin even faster, depending on how urgently care is needed. However, many injured workers experience delays—some avoidable, others due to red tape. These setbacks may result from incomplete paperwork, disputes over how the injury happened, or a lack of follow-through from the employer or insurer. To speed things up, respond promptly to requests, track your treatment, and keep detailed notes. Clear communication helps move your benefits forward.

Ready to protect your rights? Speak to a Minnetonka workers’ compensation lawyer today.

Filing a workers’ compensation claim shouldn’t be stressful, especially when you’re focused on healing. If you’ve been injured on the job in Minnetonka, are unsure where to begin, or feel your employer hasn’t acted quickly enough, reach out to the Schmidt & Salita Law Team. We’re here to help you understand your rights and take the next step forward.

You don’t need to wait until it’s too late. Call us today at 952-473-4530 or schedule a free consultation with a Minnetonka workers’ compensation attorney.