Joan Van Riper, Employee-Respondent/Cross-Appellant v. Interstate Packaging, Inc. Employer-Relator/Cross-Appeal and Cincinnati Insurance Company, Insurer-Relator/Cross-Appeal and Mason City Clinic, Mason City Surgery Center, Mayo Clinic, Minnesota Department of Employment Economic Development, Spectrum Rehabilitation Services, Inc., Blue Cross Blue Shield of Minnesota, and, UNUM Life Insurance Company, Intervenors.