In Missouri, you can file a workers’ compensation claim if you suffer a workplace injury. This claim provides access to essential medical care and assists in covering lost wages during your recovery. However, while this system aims to provide support and ease your worries, the claims process can be complicated and may present unexpected obstacles. These challenges can exacerbate the stress of an already difficult situation. To improve your chances of successfully filing a workers’ compensation claim in Missouri, it is important to identify and avoid the following common pitfalls.
Mistake 1: Not Reporting the Injury Immediately
A significant mistake employees frequently make is delaying the notification of a workplace injury to their employer. In Missouri, there is a legal requirement to report such injuries within 30 days of the event. However, it is highly advised to report the injury immediately, even if you believe it is minor.
Mistake 2: Not Seeking Appropriate Medical Treatment
Many workers may hesitate to seek timely medical care or may fail to comply with their prescribed treatment plans, which can significantly affect their workers’ compensation claims. Common mistakes related to medical treatment include:
- Refusing immediate medical attention
- Neglecting to follow doctor’s orders
- Missing scheduled appointments
- Failing to maintain detailed medical records
Mistake 3: Using Only Personal Doctors
Although seeing familiar doctors can be convenient, workers’ compensation claims typically necessitate treatment from specific healthcare providers approved by the insurance company. Using providers that are not authorized can result in coverage complications and may impact the validity of the claim.
Mistake 4: Not Documenting Your Injury
Failing to document your injury can negatively impact your workers’ compensation claim payout. Without a clear and thorough record of the events leading to your injury, you may find it challenging to present adequate evidence to the insurance company for your case. To strengthen your claim, consider taking prompt and detailed notes about the incident, including noting the following:
- Details about the accident, including the date, time, and location
- Information about how the accident occurred
- Details about the harm involved, including any limitations or pain you are experiencing
- Information of any witnesses that saw the incident
- Photographs of your injuries and the accident scene
Mistake 5: Declining to Work When Given a Light-Duty Option Sanctioned by Your Doctor
If a doctor provides medical clearance for you to return to work in a light-duty capacity, it is important to understand the potential consequences of rejecting this offer. Specifically, declining the employer’s proposal for light-duty hours or a light-duty position could result in the termination of the individual’s workers’ compensation benefits.
This means that not only could you miss out on essential financial support during your recovery, but you could also jeopardize your relationship with your employer. Therefore, it is crucial for injured workers to carefully consider their options and consult with their healthcare provider about their ability to meet the requirements of any offered light-duty role.
Mistake 6: Managing the Claim Without Legal Help
Taking on the workers’ compensation system without legal support can lead to significant mistakes, particularly with serious injuries or disputed claims. The process often presents complex legal and procedural details that can overwhelm those without legal training. Legal representation is crucial to protecting your rights throughout the claims process.
A skilled worker’s compensation attorney can clarify your benefits, compile necessary documents, and facilitate communication with insurance companies and other involved parties. Additionally, they can offer strategic advice during negotiations and, if needed, advocate for you in hearings or appeals, greatly enhancing your chances of a positive result.
Contact Wegmann Law Firm Today To Learn More
Don’t let minor errors rob you of the compensation benefits you deserve. If you have been injured on the job, contact Wegmann Law Firm today to discuss your workers’ compensation claim for free.
