Workers’ compensation is a no-fault insurance system that protects both employers and employees if someone gets hurt on the job. In the state of Missouri, most employers must obtain coverage, which provides medical benefits and a portion of any lost wages for injured employees. Since securing these benefits can sometimes be challenging, though, it’s natural to have a lot of questions about the claims process.
What You Should Know About Workers’ Compensation
Can I still file a personal injury claim if I pursue workers’ comp benefits?
By accepting workers’ compensation benefits, you essentially waive your right to sue your employer. If a third party played a role in the accident, though, you may still be entitled to sue them. For example, if you were in a car accident while on the clock, you could sue the other motorist while also pursuing workers’ compensation benefits from your employer.
Can I choose my own treating physician?
For your medical care to be covered, you must seek treatment from an approved provider. Although you can ask to see a particular physician, your employer is not obligated to authorize the request. There is one exception regarding emergency care; if you sustained life-threatening injuries, you do not have to seek prior approval.
How long do I have to pursue benefits?
In Missouri, injured employees have two years from the date on which they were hurt to file a claim for workers’ compensation benefits. If their employer fails to submit an incident report with the Division of Workers’ Compensation, though, they have three years to pursue benefits.
What kinds of injuries does workers’ comp insurance cover?
Workers’ compensation insurance covers virtually all injuries that arise over the course of employment. This includes both acute issues and those that develop over time, like a repetitive strain injury. Occupational diseases, like lung issues for factory workers or skin problems for people who work with chemicals, are also covered.
If you want to file a workers’ compensation claim in Missouri, turn to Coyne, Cundiff & Hillemann, P.C. in Lake St. Louis. Their seasoned team has more than 75 years of combined experience practicing law, and they offer a broad range of legal services, including family law disputes, criminal defense, and personal injury lawsuits. To request a free and confidential consultation with someone on their team, call (636) 561-5599 or fill out the form on their website.