Minnesota Workers' Comp Benefits Calculator 2026
Injured at work in Minnesota? You may be entitled to workers' compensation benefits. Minnesota pays 66.7% of your average weekly wage as a weekly benefit, up to a maximum of $1,313/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Minnesota has a 3-year statute of limitations, one of the longest. Benefits are 66.67% of AWW up to 130 weeks.
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Optional — helps calculate your waiting period start date.
Your gross wages for the 13 weeks before injury, divided by 13. Include overtime, bonuses, and tips if they were regular.
Minnesota Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $1,313/week |
| Minimum Weekly Benefit | $263/week |
| Benefit Rate | 66.7% of AWW |
| Waiting Period | 3 days |
| Retroactive After | 10 days |
| Filing Deadline | 1095 days from injury |
| Max Duration (TTD) | 130 weeks |
| State Average Weekly Wage | $1,313/week |
| WC Board Phone | 1-651-284-5005 |
Source: Minnesota Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Minnesota: Key Numbers for 2026
State Avg Weekly Wage
$1,313
Max Weekly Benefit
$1,313
Benefit Rate
66.7%
Max Duration
130w
Common Workplace Injuries in Minnesota — Average Compensation
Based on Minnesota's average weekly wage of $1,313 and the state's 66.7% benefit rate, here are estimated compensation ranges for the most common workplace injuries:
| Injury Type | Avg Medical Cost | Avg Lost Wages | Typical Total |
|---|---|---|---|
| Back / Spine Injury | $18,143 | $26,261 | $44,404 |
| Shoulder Injury | $14,801 | $19,258 | $34,059 |
| Knee Injury | $12,891 | $15,757 | $28,648 |
| Neck / Whiplash | $10,981 | $14,006 | $24,987 |
| Carpal Tunnel / Wrist | $6,684 | $9,629 | $16,313 |
| Fracture (Arm/Leg) | $8,833 | $12,255 | $21,088 |
| Head / Concussion | $16,472 | $21,009 | $37,481 |
Estimates based on Minnesota 2026 workers' comp benefit rate (66.7% of AWW, capped at $1,313/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Minnesota?
In Minnesota, workers' comp pays 66.7% of your average weekly wage, up to a maximum of $1,313/week. The minimum weekly benefit is $263/week.Minnesota has a 3-day waiting period before benefits begin, and TTD benefits can last up to 130 weeks.
Minnesota Workers' Compensation Rates 2026
Workers' comp insurance rates in Minnesota vary by industry and job classification. Here are estimated rates per $100 of payroll:
| Job Category | Rate per $100 Payroll |
|---|---|
| Office / Clerical | $0.25 |
| Restaurant / Food Service | $1.50 |
| Healthcare / Nursing | $1.75 |
| Manufacturing | $2.50 |
| Trucking / Delivery | $4.50 |
| Construction (General) | $6.50 |
| Roofing | $12.00 |
Rates are estimates and vary by insurer, experience modifier, and specific classification code. Contact your insurance carrier for exact quotes.
How Much Does Workers Comp Cost Employers in Minnesota?
The cost of workers compensation insurance in Minnesota depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Minnesota businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $420 |
| Retail / Sales | $1,010 |
| Restaurant / Food Service | $1,790 |
| Healthcare | $2,090 |
| Manufacturing | $3,340 |
| Warehouse / Logistics | $4,600 |
| Construction (General) | $6,570 |
| Roofing (Highest Class) | $14,920 |
*Per-employee estimate based on Minnesota's average weekly wage of $1,313. Your actual cost varies by carrier, experience modifier, and specific class code.
Need an exact quote? Our workers comp insurance cost calculator estimates your premium based on state, industry, payroll, employee count, and experience modifier.
How Workers' Comp Benefits Are Calculated in Minnesota
In Minnesota, workers' comp benefits are 66.67% of your average weekly wage. The maximum weekly benefit is $1,313 and the minimum is $263. If you earn $1,200 per week, your benefit would be $1,200 x 66.67% = $800 per week. This is well within the Minnesota benefit range.
Minnesota has a short 3-day waiting period. If your disability lasts more than 10 days, those first 3 days are paid retroactively -- one of the quickest retroactive triggers in the country. Temporary total disability benefits can continue for up to 130 weeks.
Minnesota also has a generous 3-year statute of limitations, one of the longest filing deadlines among all states. The state provides rehabilitation consultation services to help injured workers return to work. All benefits are tax-free.
Minnesota Workers' Comp Laws You Must Know
- •All employers in Minnesota must carry workers' comp insurance.
- •Minnesota has a 3-year statute of limitations, one of the longest in the nation.
- •Employees in Minnesota can choose their own treating physician.
- •Benefits are 66.67% of AWW, up to $1,313 per week.
- •Minnesota provides rehabilitation consultation services for injured workers.
- •The retroactive trigger in Minnesota is just 10 days, one of the shortest.
- •Employers cannot retaliate against workers who file claims in Minnesota.
How to File a Workers' Comp Claim in Minnesota
- 1Report your injury to your employer as soon as possible. Minnesota requires prompt notification.
- 2See a doctor of your choosing. Minnesota gives you the right to pick your own physician.
- 3Your employer must file a First Report of Injury with the Minnesota Department of Labor and Industry.
- 4The insurer will accept or deny the claim. Benefits start after the 3-day waiting period.
- 5If denied, file a claim with the Minnesota Department of Labor and Industry at 1-651-284-5005.
- 6You may be offered a rehabilitation consultation to help plan your return to work.
Need help filing? Visit the Minnesota Workers' Comp Board or call 1-651-284-5005 for assistance.
Special Rules in Minnesota
- ⚠All employers must carry coverage
- ⚠Employee can choose own doctor
- ⚠3-year statute of limitations
- ⚠Rehabilitation consultation available
Average Workers' Comp Settlement in Minnesota
Settlement amounts in Minnesota vary widely based on injury severity, disability rating, and medical costs. Workers with minor sprains typically settle for $10,000–$30,000, while those with herniated discs or surgical injuries can receive $50,000–$200,000 or more. Use our settlement calculator to estimate your specific case.
Related Resources
Settlement Calculator
Estimate your workers' comp settlement amount
Average Settlement Amounts
See average settlements by injury type and state
How Benefits Are Calculated
Step-by-step formula with examples
Claim Denied?
What to do if your workers' comp is denied
Last updated: April 2026. Data sourced from the Minnesota Workers' Compensation Board.
Find a Workers' Comp Attorney in Minnesota
Need Legal Help With Your Minnesota Claim?
If your claim was denied, your employer is disputing your injury, or you need help negotiating a fair settlement, a workers' comp attorney can help. Most offer free consultations and work on contingency — you pay nothing unless you win.
External link to Avvo attorney directory. WorkCompCalc does not endorse or recommend specific attorneys. Always research and interview attorneys before hiring.
Minnesota Workers' Comp FAQ
Minnesota has a 3-year statute of limitations, one of the longest. Benefits are 66.67% of AWW up to 130 weeks.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in Minnesota change frequently. Consult a licensed workers' compensation attorney in Minnesota for advice about your specific situation. Actual benefits depend on your employer's insurance carrier, the nature of your injury, and state law. Data sourced from the Minnesota Workers' Compensation Board. Last updated: January 2026.
Medical disclaimer: Information on this page is for educational purposes only. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.