MN HF3228

Expands the definition of "employee" for workers' compensation to include workers performing direct support services under multiple state programs (sections 256B.0659, 256B.85, 256B.4911, and 256.476), with requirements for maintaining workers' compensation insurance

Increases the exemption for workers' compensation claims from seizure or sale for debt payment from $1,000,000 to $10,000,000 per claim, effective for injuries on or after October 1, 2025

Creates new requirements for "zero estimated exposure policies" in building construction, including mandatory signed attestations from applicants and notification requirements to contracting entities, effective January 1, 2026

Establishes a regulatory framework for owner-controlled and contractor-controlled insurance programs for large construction projects exceeding $100,000,000, requiring commissioner approval, $2,500 application fees, and detailed reporting requirements

Adds podiatric services and orthotics to covered workers' compensation medical benefits, extends nursing services coverage to household members (not just family), and removes the requirement to file appeal copies with the commissioner