Auto Insurance Benefits

Minnesota no fault

Minnesota No-Fault insurance laws provide benefits to covered persons without determination of the fault of the crash. Benefits may include medical and chiropractic care (100% paid up to a maximum of $20,000), wage loss, mileage reimbursement, replacement services, funeral expense loss, and survivor’s losses.

You do not need a referral from your insurer or medical provider to treat at our clinic for your motor vehicle crash.

Mileage Reimbursement

Contact our Insurance Office to get the current mileage reimbursement to and from our clinic for treatment. In order to be reimbursed for mileage, you must document your mileage and submit this to your insurance carrier for payment. For your convenience, we have developed an easy to use mileage log form.

Reimbursement for Replacement Services

Replacement services include those expenses incurred to obtain usual and necessary substitute services for those activities that the injured person would have otherwise performed for him or herself or the household. For example, if the injured person is unable to do household activities (such as cleaning) in their home, due to documented physical restrictions, these may be reimbursable.

Reimbursement for Wage Loss As A Result Of Your Motor Vehicle Crash.

Minnesota No-Fault wage loss benefits are determined by paying 85% of the actual wage loss, up to a maximum of $500.00 per week, until you are able to return to work. Here are several important items for you to be aware of and to follow:

  • Your doctor may recommend that you modify your work schedule, or refrain from working completely during your healing process. In this case, we will authorize you to be “off work”.

  • It is important that you cooperate with your insurance company by promptly and accurately completing the paperwork they send you. Such paperwork may include:

    • Application of Benefits form;
    • Authorization for Release of Medical Information; and/or
    • Authorization for Wage and Salary Information.

We have knowledgeable staff to help you with any questions or concerns you may have relating to these forms or any other aspect of your claim - a delay in completing paperwork commonly results in a delay in receiving your wage reimbursement payment from the insurance company.

  • Please check with your employer to verify they have completed and returned your employment information to the insurance company.

  • It is essential to follow the treatment plan our doctors have recommended for you so you may return to work as your recovery progress allows.

Brief Overview of Our “Off Work” Procedures

​​​​​​​1. Once it's determined that a patient's injuries will be aggravated by working, the patient may be authorized by one of our treating doctors to be “off work”. If so, the patient is re-evaluated on a regular basis to monitor the status of his/her workability. Some common factors we consider include:
  • Review of job duties based on the actual job description from the employer to determine the type and intensity of work activity required of the position.

  • Review number of scheduled work hours.

  • Review patient’s current subjective and objective physical examination findings.

  • A specific analysis of your abilities, obtained through a Functional Capacities Examination (FCE), may be required.

2. Each time we authorize you to be “off work”, we will fax an “off work” slip to your:

  • Insurance company
  • employer,
  • and 3-attorney (if applicable) by the end of the next business day, following your visit.

​​​​​​​3. When your doctor determines you are able to return to work, it may be with or without physical restrictions. If there are physical restrictions, we will fax a “Return to Activities” report to your: 1-insurance company, 2-employer, and 3-attorney (if applicable) by the end of the next business day, following your visit.

Our Clinic Philosophy of the Patient’s Responsibilities while “Off Work”

If we authorize a patient to be “off work”, we expect to see him/her in accordance with his/her established treatment plan. It is our policy to schedule all patients that are “off work” early in the day, so we can spend more time with them during this critical phase of their recovery.

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