From sprains to slips, trips, and falls, there are many workplace injuries cases each year. Minus a few exceptions, Missouri workers’ compensation law provides coverage for all employees who are injured on the job while working within the state. The workers’ comp system often gets complicated, and we’re here to break it all down. Today, the team at Dr. Gil’s presents an overview of Missouri workers’ compensation laws so you can get a better understanding of how the process works.
What Is Workers’ Compensation?
Workers’ compensation (workers’ comp) is a type of accident insurance that employers pay. It provides benefits to employees who suffer work-related injuries and illnesses. Every state has its own laws and programs for workers’ comp.
What Injuries Does Missouri Workers’ Comp’ Cover?
An individual can make a workers’ compensation claim for an injury or illness that is related to job activities. Common types of work-related injuries include neck strains/sprains, lower back injuries, and joint conditions. Lacerations are usually not enough for a workers’ comp claim unless you need treatment after first aid.
To receive Missouri workers’ comp, the event causing the injury must be the “prevailing factor” that results in the medical condition or disability. In addition, the job-related injury must have happened while you were working, not during your lunch hour or commute.
What to Do If You Get Injured
If you get injured on the job, report your injury to your employer ASAP. The notice to your employer should be in writing and include your name, the description of your injury, and the date, time, and place that it occurred. Your injury must be reported within 30 days to ensure that you receive workers’ comp benefits. Then, your employer will help you complete the paperwork to report your injury to the Missouri Workers’ Compensation Division.
Workers’ Compensation Benefits
If you’re under the influence of drugs or alcohol when the incident occurs, or if you fail to follow your employer’s safety policies, you may not be eligible for Missouri workers’ comp benefits.
If your claim is allowed, your employer should have workers’ compensation insurance, which will pay for your medical care to treat your workplace injury. Workers’ comp also pays for temporary wage replacement while you’re not working, as well as compensation for any remaining impairment that’s permanent. If your injury causes you to miss work for an extended period, you may be eligible to secure temporary total disability benefits.
Receive Excellent Workers’ Comp Care in Springfield
At Dr. Gil’s, our nurse practitioners are highly skilled in treating work-related injuries. We provide workers’ compensation care 24/7 so you don’t have to send your employees to the expensive ER. For questions about our treatments or for more information, contact Dr. Gil’s Immediate Care today.