Cindy Ludwig v. Dakota County, Self-Insured by SFM Risk Solutions, Relator

CourtSupreme Court of Minnesota
DecidedApril 22, 2026
DocketA241989
StatusPublished

This text of Cindy Ludwig v. Dakota County, Self-Insured by SFM Risk Solutions, Relator (Cindy Ludwig v. Dakota County, Self-Insured by SFM Risk Solutions, Relator) is published on Counsel Stack Legal Research, covering Supreme Court of Minnesota primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Cindy Ludwig v. Dakota County, Self-Insured by SFM Risk Solutions, Relator, (Mich. 2026).

Opinion

STATE OF MINNESOTA

IN SUPREME COURT

A24-1989

Workers’ Compensation Court of Appeals Hennesy, J. Concurring, McKeig, J.

Cindy Ludwig, Respondent,

vs. Filed: April 22, 2026 Office of Appellate Courts Dakota County, Self-Insured by SFM Risk Solutions,

Relator.

________________________

William G. Laak, Brian J. Kluk, Hannah K. Johnson, McCollum Crowley, P.A., Minneapolis, Minnesota, for relator.

Eric S. Schwab, Joshua M. Harrison, Meuser, Yackley & Rowland, P.A., Eden Prairie, Minnesota, for respondent.

SYLLABUS

1. The Workers’ Compensation Court of Appeals did not make an

impermissible factual finding when it applied the special-errand exception because the

finding and its supporting inference were not manifestly contrary to the evidence.

1 2. The Workers’ Compensation Court of Appeals did not err as a matter of law

by concluding that the employee’s injury was compensable under the special-errand

exception to the general rule that an employee’s injury that occurs while commuting to and

from work is not compensable.

Affirmed.

OPINION

HENNESY, Justice.

This case is about whether respondent Cindy Ludwig’s injury—sustained while

transporting equipment back to her office to resume working in-person, at her employer’s

request, after working remotely from home—is compensable under the Workers’

Compensation Act. Generally, an employee’s injury that occurs while commuting to and

from work is not compensable. But Ludwig argues that because she was injured while on

a “special errand” for her employer, relator Dakota County (the County), her injury is

compensable under the special-errand exception to this general rule. The compensation

judge concluded that the special-errand exception did not apply because Ludwig’s injury

occurred when she returned “her equipment to the job site” as “part of her commute.” The

Workers’ Compensation Court of Appeals (WCCA) reversed, finding that the County’s

request that Ludwig return to the office to begin a new hybrid schedule included an implied

request that Ludwig return her office equipment before her regular shift, thus qualifying

Ludwig’s return-to-office trip as a special errand.

To determine whether Ludwig’s injury is compensable under the special-errand

exception, we must first decide whether the WCCA erred in its special-errand-exception

2 analysis by finding that the County’s request that Ludwig return to the office to begin a

new hybrid schedule included an implied request that she return her office equipment

before her regular shift. We conclude that the WCCA did not err because the WCCA drew

this factual inference about an issue on which the compensation judge made no finding,

and the finding it made based on this inference was not manifestly contrary to the evidence.

Next, we consider whether the WCCA erred as a matter of law by concluding that Ludwig

was on a special errand when the County directed her to return to the office and implicitly

requested that she return with all her work equipment early enough to begin her regular

shift. We conclude that the WCCA did not err as a matter of law by concluding that

Ludwig’s injury was compensable under the special-errand exception. We therefore affirm

the WCCA’s decision.

FACTS

In 2002, the County hired Ludwig to perform full-time clerical and customer service

duties out of its Hastings office. Ludwig’s commute to Hastings was half an hour, so she

typically left home around 7:30 a.m. every morning to begin work by 8:00 a.m. The

County owned all the equipment Ludwig used at the office.

In March 2020, the County issued a stay-at-home order due to the COVID-19

pandemic, requiring Ludwig to work from home full-time. Ludwig boxed up all her work

equipment and took it home. This equipment included her laptop, monitors, cords, docking

station, keyboard, headset, and binders. She also brought home her office chair.

During a 2021 conference call, Ludwig’s managers told her that she would need to

return to the office on September 8, 2021, to begin a new hybrid schedule. The day before

3 returning to in-person work, Ludwig packed her work equipment—including all the

electronic equipment she had brought home—in a large plastic bin.

On September 8, 2021, Ludwig planned to leave earlier than usual for work to give

herself time to set up her equipment before starting her workday at 8:00 a.m. She carried

the bin of equipment to her car at 7:15 a.m., 15 minutes earlier than her normal departure

time. While loading the bin into her van, Ludwig fell to the ground, injuring her back. She

notified the County of the injury and sought medical care. She returned to work on

September 15, 2021, using a cane to walk and a wheeled bag to transport her work

equipment. Ludwig filed a claim petition for payment of medical expenses and wage loss

benefits on March 22, 2022, and the matter came before a workers’ compensation judge

for an evidentiary hearing on December 21, 2023. 1

Ludwig argued that her injury was compensable under the Workers’ Compensation

Act. Even though injuries sustained while commuting to and from work are generally not

compensable, Ludwig argued that her injury qualifies for either the special-hazard 2 or

special-errand exception because the injury occurred while she was loading her work

equipment to begin a hybrid schedule, at the County’s request, after working at home for a

long period of time during the pandemic.

1 After the September 8 injury, Ludwig sustained two more injuries on October 29, 2021, and May 7, 2022. The compensation judge made findings as to all three injuries, but only the September 8 injury is relevant to this appeal, and it is the only injury to which we refer in this opinion. 2 The compensation judge found the special-hazard exception inapplicable to the facts here, and the WCCA affirmed that decision. Ludwig does not challenge that decision in this appeal.

4 Relying on the WCCA’s decision in Thompson v. Minnesota Trial Courts –

District 4, No. WC23-6519, 2024 WL 461731 (Minn. WCCA Jan. 26, 2024), aff’d without

opinion, 13 N.W.3d 910 (Minn. 2024) (concluding employee’s injury did not occur on a

special errand because his task of returning his equipment to the office was “merely

incidental to his regular commute to work”), the compensation judge concluded that the

special-errand exception did not apply because Ludwig had been returning her equipment

to her office as “a part of her commute.” As such, the compensation judge determined that

Ludwig’s injury was not compensable.

Ludwig appealed to the WCCA, arguing that the compensation judge erred by

misapplying the WCCA’s special-errand holding in Thompson. The WCCA distinguished

Thompson, reasoning that the employee in Thompson acknowledged that backup

equipment was available on-site and Thompson’s record lacked any evidence of a directive

for the employee to return his equipment, whereas Ludwig had been “returning office

equipment to the employer by request” when injured, and there was no evidence that

backup equipment was available at Ludwig’s office. 3 Ludwig v. Dakota County,

No. WC24-6562, 2024 WL 4981499, at *6 (Minn. WCCA Nov. 25, 2024). Therefore, the

WCCA reversed the compensation judge’s decision, concluding that the compensation

judge had erred by not applying the special-errand exception. Id. The County appealed.

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Cindy Ludwig v. Dakota County, Self-Insured by SFM Risk Solutions, Relator, Counsel Stack Legal Research, https://law.counselstack.com/opinion/cindy-ludwig-v-dakota-county-self-insured-by-sfm-risk-solutions-relator-minn-2026.