Suffering an injury at work can significantly alter your life, affecting your job performance and overall well-being. During these tough times, it's important to recognize that you are not alone and that you have resources.

Understanding the ins and outs of this system is crucial for those injured on the job, as it provides necessary support and compensation for medical expenses and lost wages. At Liberty Trial Law Group, we can help you understand your rights and entitlement to workers' compensation. We have the knowledge and experience to craft a compelling case on your behalf. Contact our office in Liberty, Missouri, to schedule a free consultation today.

What Is Workers' Compensation?

Workers' compensation is a form of insurance that provides financial and medical benefits to employees who suffer work-related injuries or illnesses. This program is designed to protect both employees and employers by ensuring that workers receive compensation without the need for lengthy legal battles.

Coverage Under Missouri Workers' Compensation

In Missouri, all employers with five or more employees are required to carry workers' compensation insurance. Here are the types of injuries covered:

• Physical injuries: Any physical damage resulting from accidents at the workplace, including slips, falls, and machinery accidents.

• Occupational diseases: Illnesses developed as a direct result of employment, such as respiratory issues from exposure to harmful substances.

• Repetitive stress injuries: Conditions arising from repetitive motions, like carpal tunnel syndrome.

Benefits Available to Injured Workers

Employees who are injured on the job may be entitled to various types of benefits, including:

• Medical benefits: Coverage for all necessary medical treatment, including surgeries, rehabilitation, and hospital stays.

• Temporary Total Disability (TTD): Compensation for lost wages during the recovery period if the worker is unable to perform their job.

• Permanent Partial Disability (PPD): Compensation for permanent injuries that result in a loss of earning capacity.

• Vocational rehabilitation: This may be provided for workers who need assistance returning to work in a different capacity.

Steps to Take After a Workplace Injury

If you experience a work-related injury, it’s essential to take the following steps:

1. Report the injury: Notify your employer as soon as possible. Timely reporting is crucial to securing benefits.

2. Seek medical attention: Get appropriate medical treatment and follow your healthcare provider's recommendations.

3. Document everything: Keep thorough records of your injuries, medical treatments, and expenses incurred.

4. File a claim: Your employer should provide you with the necessary forms to file a claim with their workers' compensation insurance provider.

If you get hurt at work, give us a call. Different employers have different responsibilities and obligations towards workers under the law. That’s why it is critical that you consult an attorney to work through the process of receiving full and complete compensation for your workplace injury. The chances of you receiving that full and complete compensation for your workplace injury increases significantly if you utilize an experienced attorney.

Common Challenges in Workers' Compensation Claims

While the workers' compensation system is designed to provide support, injured employees may face challenges, including:

• Claim Denials: Insurers might deny claims based on various reasons, including lack of sufficient evidence or late reporting of the injury.

• Disputes Over Benefits: Employees may face issues when negotiating the extent of their medical benefits or compensation for lost wages.

• Retaliation: Some employees fear retaliation from employers when reporting injuries or filing claims. Missouri law protects employees from such retaliation.

FAQ on Workers' Compensation

What should I do if my workers' compensation claim is denied?

If your claim is denied, review the denial letter carefully to understand the reasons. You can appeal the decision by following the procedures outlined in the letter. It may also be beneficial to consult with a workers' compensation attorney to help navigate the appeals process.

How long do I have to file a workers' compensation claim in Missouri?

In Missouri, you typically have two years from the date of the injury to file a claim. It's essential to report the injury to your employer as soon as possible to avoid complications with your claim.

Can I choose my own doctor for workers' compensation treatment?

Under Missouri law, you have the right to choose your healthcare provider. However, you should inform your employer as soon as possible to ensure they approve of your choice and the treatment plan.

What if I'm unable to return to work after my recovery?

If you're unable to return to your previous job due to your work-related injury, you may be eligible for vocational rehabilitation benefits to help you find new employment or training for a different job.

Will my workers' compensation benefits be taxed?

Generally, workers' compensation benefits are not subject to federal income tax. However, it’s advisable to consult with a tax professional for specific guidance based on your situation.

Why Legal Representation is Important

Engaging a knowledgeable attorney in workers' compensation cases can significantly impact the outcome. An attorney can help you navigate the claims process, negotiate with insurance companies, and protect your rights throughout the journey. If you have been injured at work in Missouri, consider reaching out to our team at Liberty Trial Law Group for a free consultation. We are here to advocate for your rights and secure the compensation you deserve.