Missouri workers’ compensation laws create a “no-fault” system for employees who have suffered job-related injuries or illnesses. What this means is that employees with job-related illnesses or injuries are entitled to certain benefits and protections regardless of whether or not they were at fault for their injuries. The nature of fault doesn’t usually come up in workers’ compensation cases at all, in fact.
Missouri state laws require most employers to have workers’ compensation insurance to provide these benefits and protections for their injured employees. However, many insurance companies are out to limit costs and protect their bottom lines. Most employers are looking to save as much money as possible. When these money-saving companies join hands to provide medical coverage after an injury occurs, the result is often, unfortunately, not good.
Facts About Workers’ Compensation Benefits in Missouri
- Under Missouri law, all injured employees must notify their employer of an injury within 30 days of the injury. Typically, an injured employee must provide a brief description of the injury or illness and the date and time of the injury or illness.
- Missouri law requires the workers’ compensation insurance to pay different types of benefits. These benefits include temporary total disability (TTD) benefits, permanent total disability benefits (PTD), permanent partial disability benefits (PPD), and Survivor Benefits for the spouse, children, or defendants of an employee who died as a result of a workplace injury.
- Missouri law also requires that workers’ compensation insurance pay for medical treatment for all covered injuries which occur at the workplace.
Why Would I Need to Contact a Columbia, MO Workers’ Compensation Lawyer?
Oftentimes workers’ compensation benefits will force injured employees to visit certain doctors who will do everything they can to minimize costs by preventing their patients from getting the medical care they need to completely recover. Some doctors may be hesitant about giving employees the full amount of time off they need or may argue against physical therapy, etc. When it comes to saving money, these insurance companies can often be a hassle to contend with.
Attempting to file for disability benefits can be especially challenging. By law, the state of Missouri requires workers’ compensation insurance to provide three different types of disability benefits:
Knowing which type of disability claim you need to file as well as the requirements for each can be difficult enough, but most employees are left to negotiate a complex system against major insurance companies on their own. Many workplaces offer no assistance whatsoever. The insurance providers make filing for disability much more difficult than it needs to be, and will do everything in their power to deny your claim in order to keep you working. You may receive one notice of denial after another.
If you’re temporarily or permanently unable to work due to injuries you’ve received on the job and require disability benefits to keep providing for your family, you shouldn’t have to go up against major insurance companies alone. With the help of an experienced Columbia, MO workers’ compensation lawyer, you can get the disability benefits you need without all the hassle.
Thomas Law Offices has had years of success battling against workers’ compensation insurance companies and is here to help you fight for the benefits and compensation you deserve. You shouldn’t have to struggle to get the benefits you need and are fully entitled to. Contact our office today to see how we can help.