Sustaining an injury at work can be an intensely challenging and emotionally taxing experience. Uncertainty about the next steps and your rights under Missouri’s workers’ compensation laws can compound the physical pain and emotional stress. However, a detailed understanding of this process can help you to navigate this difficult time more confidently and clearly.
A Basic Overview of Workers’ Compensation Laws
Workers’ compensation is a system designed to provide financial support and medical care for employees who suffered illnesses or injuries because of their jobs. It covers various medical expenses directly related to the work-related injury, such as:
- Doctor visits
- Hospital stays
- Medications
- Rehabilitation services, including physical therapy or other necessary rehabilitation
If your injury makes it impossible for you to work, you could qualify for temporary disability benefits. These benefits usually cover some of your lost wages as you concentrate on healing. The length of time you can receive these benefits varies based on the severity of your injury and how long you cannot work. However, if your injury leads to a permanent impairment, you may be eligible for permanent disability benefits. The amount you receive will be determined by the extent of your impairment, how it impacts your daily life, and your ability to work or engage in other jobs.
Step 1: Disclose the Injury To the Employer
The first thing you should do after sustaining an injury on the job is to report the incident to your employer — ideally, immediately after the injury occurs. This step is crucial because it formally records the incident and is the initial requirement for initiating your workers’ compensation claim. When you report your injury, be specific about what happened, including the exact time and location of the accident, how it occurred, and any conditions that contributed to the injury, such as spills, equipment malfunction, or a lapse in safety protocols. If coworkers witnessed the incident, gather their names and contact information. Their accounts may be vital in corroborating your story later.
Step 2: Get Medical Attention
Even if your injury appears minor, you will still need to have a qualified healthcare professional assess your condition. This medical evaluation serves multiple purposes:
- It provides you with the necessary treatment.
- Documents your injury with medical records.
- Establishes a clear link between the injury and your work environment.
In addition, keep copies of all medical reports, bills, and treatment plans. These documents will be essential for filing your claim and for any potential disputes that might arise.
Step 3: File a Claim
Once you have notified your employer and received medical care, the next step will be navigating the formal workers’ compensation claim process. This typically involves completing a claim form, which may require specific information about your employer, details of the incident, and your medical treatment. It is important to submit this paperwork to your employer’s insurance carrier within the required timeframes, which can vary based on the nature of your injury and your employer’s policies. In addition, stay aware of any applicable deadlines. For instance, in Missouri, you must report your injury within 30 days and file a claim within two years of the date of the injury. Failure to meet these deadlines could result in the denial of your claim.
Contact Wegmann Law Firm Today To Learn More About Your Legal Options
If you suffered harm in an accident at work and want to better understand your legal options, contact Wegmann Law Firm today. Our Missouri workers’ compensation lawyers can help you understand the workers’ compensation process, clarify the benefits you may be entitled to, and assess if your injury qualifies for a valid claim.
