In 2021, Missouri workers filed 7,295 workers’ compensation claims. If you suffer injuries on the job, you may also be eligible for significant workers’ compensation benefits, including medical benefits and wage-replacement benefits. However, to receive the maximum available benefits for your specific injury, it is best to get help from an experienced workers’ compensation attorney. Following are some important things to know about the benefits you may be owed:
Medical benefits
If your work injury requires medical treatment, workers’ compensation should pay for it. However, in Missouri, your employer’s insurance company has the right to choose your medical provider. You can choose your own physician, but if you do, you may have to pay for your own treatment.
Workers’ compensation insurance generally covers reasonable medical care, including travel expenses for specialized tests and treatments. The insurance company should pay for your care until you reach a point where you are fully recovered or are not going to get better.
Lost wages
Workers’ compensation may provide wage-replacement benefits, which are a percentage of your lost wages. Missouri has a workers’ compensation chart that shows the amount of disability you may receive. These payments are distributed if your injury prevents you from returning to work.
Disability
Some work injuries cause temporary or permanent disability. If your injury causes you to miss work but you can can eventually return to work, you may receive temporary disability benefits. However, a permanent injury that prevents you from returning to work may result in payments of up to 66 2/3% of your average weekly wage. The workers’ comp insurance company may also try to settle your claim with a lump sum payment. Before accepting a lump sum, you should talk with a workers’ compensation attorney.
Death Benefits
If a loved one dies due to a work-related injury or illness, you may be entitled to workers’ compensation death benefits, which may include compensation for funeral expenses and lost income.
IMPORTANT: Workers’ compensation benefits are not automatic. You must report your injury and a claim must be filed. To get the best possible results, it’s important to discuss your case with a lawyer who has experience in Missouri workers’ compensation claims.