If you were to be injured while on the job and subsequently denied workers’ compensation coverage, this denial might constitute a breach of Missouri employment law. Most employers and insurance companies know this, and, being respectful of the law, they tend to honor legitimate claims. However, if you should be unlucky enough to have to deal with a questionably ethical denial of coverage, there would still be potential avenues via which you could obtain the compensation you deserve for your injuries.
While most insurance companies have internal claims review procedures, you might also opt for a more official method of appeal. This legal alternative is likely to require a reassessment of your incident. For example, it is typically wise for you to determine whether or not your claim qualifies under state law before pursuing a lengthy and complicated set of formal actions.
FindLaw suggests that you should be as prepared for a claim appeal hearing as is possible. In addition to a deep knowledge of these appeals procedures, you would likely need a number of supporting documents. These could include, but are not limited to:
- Medical records and doctors’ contact information
- The denial letter you received for your claim
- Second medical opinions that contribute new data
- Evidence that corroborates the validity of your initial claim
Not every workers’ compensation claim you might make in Missouri would automatically be feasible under the regulations governing employment in the state, but that ineligibility does not necessarily preclude you from having another type of case. Please think of this only as educational information, and not as any kind of specific legal advice.