In the event of a workplace accident, it's essential for employees to understand their rights and benefits. Worker's compensation in Missouri is designed to help those injured on the job, providing financial relief and support during recovery.
What is Worker's Compensation?
Worker's compensation is a type of insurance that provides wage replacement and medical benefits to employees injured in the course of employment. The goal is to protect workers from financial hardship after an injury and to protect employers from potential lawsuits.
Understanding Worker's Compensation in Missouri
In Missouri, most employers are required by law to carry worker's compensation insurance. The Missouri Department of Labor's Division of Workers' Compensation administers the laws and regulations related to worker's compensation in the state.
If you're injured at work, you should notify your employer as soon as possible, and no later than 30 days after the accident. Following your report, your employer or their insurer should provide medical treatment and compensate for lost wages if you're unable to work due to your injury.
Benefits You Can Receive
Under Missouri law, the benefits available through worker's compensation can include:
- Medical Care: The employer or their insurance company must pay for all necessary medical treatment related to your work injury.
- Temporary Total Disability (TTD): If you cannot work at all while recovering, you'll receive TTD benefits, typically two-thirds of your average weekly wage.
- Permanent Partial Disability (PPD) or Permanent Total Disability (PTD): If your injury results in permanent disability, you may be entitled to PPD or PTD benefits.
- Death benefits: If a work-related injury results in death, the worker's dependents can receive death benefits.
Claiming Worker's Compensation in Missouri
To successfully claim worker's compensation benefits, it's advisable to enlist the help of an experienced Missouri worker's compensation attorney. They can help you navigate the process, ensure all paperwork is correctly filled out and filed, and advocate for your best interests if your claim is denied.
In conclusion, understanding the Missouri worker's compensation process can help ensure that you're fairly compensated if you suffer a workplace injury. It's always advisable to consult with a qualified legal professional to understand your rights and responsibilities fully.