The workers’ compensation system provides financial assistance to employees throughout Missouri who are hurt or get sick on the job. In exchange for payment, an injured worker may not bring a civil claim against his or her employer, except in some limited situations.
The workers’ compensation system is a no-fault insurance payment program. You don’t need to show that your boss acted negligently or recklessly before you receive payments. Although this seems like a straightforward process, it may be complicated at times.
Make sure you’re getting the appropriate amount of benefits by involving an injury attorney who can stand by you at each phase of the claims process and provide you with the legal counsel you deserve.
Filing a Workers’ Compensation Claim in Missouri
Common types of injuries include:
Back and knee injuries
Toxic chemical exposure
Carbon monoxide poisoning
Traumatic brain injuries
While many injuries result from a single catastrophic event, benefits may also be available for conditions that arise from long term repetitive tasks, such as assembly line work or computer work.
If you have been hurt on the job, you should immediately notify your employer so that the claims process can begin. Typically this process starts with these 3 steps:
The initial phase of your claim will involve an investigation into the nature and extent of your injury to confirm that it is work related and to determine whether the resulting disability is partial or total and temporary or permanent.
The insurer will assign a medical examiner to evaluate your physical status and to provide a medical opinion regarding the nature and extent of your injury.
If the parties disagree about the medical examiner’s conclusions, there is a process by which you can seek additional evaluations.
Once you have been awarded benefits, there are certain items that the insurance must cover. The workers’ compensation system must provide reimbursement for medical care and partial replacement of lost wages, as well as death benefits to any surviving heirs in the unfortunate event that a victim loses his or her life. Even some incidental expenses like arranging for childcare and ongoing occupational therapy may fall within the employee’s payable benefits.