Unless you’ve previously been injured on the job yourself, it’s normal to have questions about workers’ compensation. As an employee, it’s important to understand how workers’ comp is handled so you’re prepared should you ever get hurt while on the clock. Attorneys will be able to discuss the specifics of your case, but it helps to know some general aspects of workers’ comp.

Workers’ Comp FAQs

What is workers’ comp?

Workers’ compensation insurance protects both employers and employees in the event of an accident. If an employee gets hurt on the job, they can file a workers’ comp claim. Doing so waives their right to sue the employer, but if the claim is accepted, they will receive certain benefits while recovering. 

Do I have to be hurt at work to qualify for benefits?

You do not have to be hurt at the physical place of employment to receive workers’ compensation; however, you must sustain injuries while performing actual job duties. If you are a truck driver, for example, you could get hurt in an accident far from the headquarters. As long as you were acting within the scope of employment, though, you would likely be entitled to benefits. 

What does workers’ comp insurance cover?

Those who file successful claims may be entitled to compensation for medical bills, a portion of their lost wages, and ongoing rehabilitation. If the employee died in the accident, surviving family members may be able to recover funeral costs and death benefits with the help of attorneys. 

Can I see my own doctor if I’m using workers’ comp benefits for medical bills?

In the state of Missouri, employers retain the right to select the health care providers that any injured workers see. They typically delegate this process to the insurance provider, who will then produce a list of authorized physicians. If your own doctor is not on this list, you will have to choose another provider unless you want to pay for the care out of pocket. 

If you were hurt on the job, turn to the compassionate attorneys at Hackworth, Ferguson & Thompson in Piedmont, MO. This general practice firm has been proudly representing clients throughout Southeast Missouri since 1973. In addition to workers’ compensation law, they practice family law, estate planning, personal injury law, corporate litigation, criminal law, bankruptcy, and real estate. To learn more about their experienced team, visit their website. Otherwise, you can schedule an initial consultation with one of their attorneys by calling (573) 223-4247.