When you get injured at work in Missouri, you may assume that your medical care and lost wages will be covered by workers’ compensation. After all, this insurance is designed to help cover the financial liability of your employer in the event of an injury to a worker. However, Insureon explains that there are some situations in which workers’ compensation will not pick up the bill.
If you ignore safety regulations and do not adhere to safety protocols and get injured while working, workers’ compensation may not pay for your injuries. You are required to do your part in keeping yourself safe. Dropping the ball means you take on the liability.
It may also not pay if a customer is injured. In this case, your employer would be liable for paying for injuries and associated costs. Of course, if you were negligent, you could also hold some liability for injuries to others, which is just another reason to be mindful of safety protocols when at work.
If you are working as a temporary employee, then you also are not covered by workers’ compensation. It is part of insurance regulations that temporary employees do not have coverage.
In the event you are not covered and you were not responsible for the accident, your employer is generally liable and will have to pay you directly. However, in most situations, any accident you have on the job will be covered by workers’ compensation as long as your employer has up-to-date coverage. This information is intended for education purposes and is not legal advice.