The Missouri workers' compensation program creates a no-fault system of benefits for workers who have job-related injuries or illnesses. The Missouri Industrial Commission administers the system, utilizing judges throughout the state, to resolve disputes between employers and employees about work-related injuries and illnesses.
As a first step, you must generally notify your employer within 30 days of your injury or illness. This notification must include:
Missouri law allows you to give this notice orally or in writing. But to prevent your employer from claiming not to have received notice, you should give notice of your injury in writing, preferably by certified mail.
Your employer should then notify its workers' compensation insurance carrier or administrator about your injury.
The workers’ compensation insurance company must pay for:
The employer and insurer will take steps to limit your benefits and protect its bottom line. Your lawyer needs to push back.
Workers' compensation law requires your employer, or your employer’s insurance carrier, to make these payments. But they can — and probably will — do everything in their power to protect their bottom line: the less money they pay out, the greater the profit to their company. And that is exactly why you need a workers’ compensation lawyer to protect your rights.
Often, the company doctor — the doctor is chosen by your employer or its insurance carrier — will be the first to examine you to determine what treatments your employer must pay for. And when it comes time to determine your long-term prognosis — whether you now suffer a permanent disability and to what degree — the company doctor will examine you again, usually offering an opinion that tends to favor the employer over the injured worker.
Since 1950, Keefe & Griffiths, PC has helped tens of thousands of injured workers win the maximum benefits and settlements allowed by law throughout Missouri and Illinois. If you need the services of a workers' compensation lawyer in St. Louis, or the surrounding areas of eastern Missouri and southern Illinois, turn to Keefe & Griffiths PC for experienced, focused, and successful advocacy.
Call our St. Louis workers' compensation law firm at 314.241.7243 or send us an e-mail.