In every state, some classes of employment are exempt from WC Laws. Benefits for exempt employees are provided by whom?

In many states, including Minnesota, certain classes of employment are not covered under the Workers' Compensation laws, meaning that these exempt employees do not have access to state-mandated workers' compensation benefits. In such cases, benefits for these exempt employees are typically provided directly by the employer.

Employers may choose to offer alternative benefits or may be required to maintain certain protections for their exempt workers under different types of insurance or employment agreements. This can include private disability insurance, health insurance benefits, or other compensation arrangements. It is important for employers to understand their obligations towards exempt employees to ensure compliance with relevant laws and provide appropriate support.

By contrast, the other entities listed, such as the federal government, insurers, and third-party providers, generally do not provide benefits for employees that fall outside of Workers' Compensation coverage, as the responsibility falls on the employer to offer alternatives or additional protections.