62A.147 DISABLED EMPLOYEES' BENEFITS; DEFINITIONS.
Subdivision 1. Scope.
For the purposes of this section and section
, the terms
defined in this section shall have the meanings here given them.
Subd. 2. Covered employee.
"Covered employee" means any person who, at the time that
person suffered an injury resulting in total disability or became totally disabled by reason of
illness, was employed by and receiving a salary, commission, hourly wage, or other remuneration
for services by any employer providing, offering or contributing to group insurance coverage or
group coverage through a health maintenance contract, for that employee who was so enrolled
for the coverage.
Subd. 3. Total disability.
"Total disability" means (a) the inability of an injured or ill
employee to engage in or perform the duties of the employee's regular occupation or employment
within the first two years of such disability and (b) after the first two years of such disability, the
inability of the employee to engage in any paid employment or work for which the employee may,
by education and training, including rehabilitative training, be or reasonably become qualified.
Subd. 4. Group insurance.
"Group insurance" means any policy or contract of accident and
health protection, including health maintenance contracts, regardless of by whom underwritten,
which provides benefits, including cash payments for reimbursement of expenses or the provision
of usual needed health care and medical services as the result of any injury, sickness, disability or
disease suffered by a group of employees, or any one of them, and which protection is paid for or
otherwise provided in full or in part by an employer.
Subd. 5. Employer.
"Employer" means any natural person, company, corporation,
partnership, association, firm, or franchise which employs any employee.
Subd. 6. Insurer.
"Insurer" means any person, company, corporation including a nonprofit
corporation and a health maintenance organization, partnership, association, firm or franchise
which underwrites or is by contract or other agreement obligated to provide accident and health
protection benefits to any group of employees of any employer.
History: 1973 c 340 s 1; 1984 c 464 s 6; 1986 c 444