Workers’ Compensation Attorneys in St. Louis, MO
Helping Injured Workers Obtain Their Maximum Workers’ Comp Benefits
No one expects to be injured at work--even individuals who work in dangerous fields. But accidents happen, and when serious, they may render you unable to work for the foreseeable future. This can, no doubt, upend a hardworking person’s life; they will be left scrambling to pay their bills, put food on the table, and support themselves and their families. Fortunately, workers’ compensation insurance should provide you with the financial support you need until you can get back on your feet.
Our St. Louis attorneys at The Tapella & Eberspacher Law Firm will help you swiftly navigate the workers’ compensation insurance claims process after misfortune strikes. We have helped countless individuals exercise their right to collect workers’ comp benefits, and we know full well how important it is for you to receive these benefits.
Greedy employers and insurance agents should not stand in your way. Trust our lawyers to enforce the law and remind these parties of their duty to support you through your injury. They are not only legally obligated to compensate you, but it is also the very least they could do after you put your health on the line for them.
Contact our seasoned St. Louis attorneys onlinetoday for a free evaluation of your workers’ compensation claim.
Missouri Workers’ Compensation Benefits
In Missouri, all employers with five or more employees (or one employee if the employer is in the business of construction) are required to carry workers’ compensation insurance to cover their workers in the event of an injury.
What Injuries Does Workers’ Comp Cover?
Workers’ comp will cover any injury that occurred while on the clock, such as:
- Traumatic brain injuries
- Neck and back injuries
- Spine injuries
- Broken bones
- Severe burns
You may also collect workers’ comp benefits for occupational diseases that were developed or contracted while on the clock. Examples of occupational diseases include but are not limited to carpal tunnel syndrome, trigger finger, hearing loss, vision loss, radiation and other toxic exposures, etc.
Please note that you cannot collect workers’ comp for an injury suffered during your commute into work or your commute home. However, if you were out running errands for work and were injured, you may be eligible for benefits.
Report Your Injury to Your Employer Immediately
To collect workers’ comp, you need to show that you were injured at work (it does not matter by who) and report the injury to your employer immediately. Per state labor laws, you have up to 30 days to report your injury; it is not advised to wait this long, however. The sooner you get started on the workers’ comp claims process, the sooner you can get your benefits and the easier time you will have at obtaining them. It is likely that your employer or their insurance company will drag their feet and attempt to use a gap between your injury and the date you reported it against you.
When notifying your employer, make sure you do so in writing and that you include the following information:
- The date, time, and place of the injury
- The nature of your injury
- Your name and address
Before giving the written notice to your employer, make a copy of it for your own records. It is also a good idea to note down the date and time you mailed or delivered the written notice for future reference.
From here, your employer has five days to report the injury to the workers’ comp insurance company or a third-party administrator (TPA), which must then report the injury to the Division of Workers’ Compensation within 30 days. You can check to see whether your injury has been reported by contacting the division here.
Types of Workers’ Comp Benefits
It is important to highlight that a workers’ comp claim is not the same as suing your employer. You cannot file suit against your employer over a workplace injury; that is the whole reason why workers’ comp insurance was created. While this system may work to a worker’s disadvantage due to the limited workers’ comp benefits available, it can also be beneficial for some workers, such as those who unintentionally injured themselves on the job.
If you were injured at work in St. Louis or anywhere throughout the state, you may be eligible to collect the following benefits under workers’ comp insurance:
- Medical benefits
- Vocational rehabilitation programs if the injury requires you to switch career/job fields
- Temporary Total Disability (TTD) to cover lost wages when a doctor determines that you need time off work due to your injury
- Temporary Partial Disability (TPD) to cover differences in pay when your injury requires you to work a modified work schedule
- Permanent Partial Disability (PPD) to compensate for a long-term reduction in your ability to do certain tasks or job functions
- Permanent Total Disability (PTD) to cover your expenses when a work injury renders you unable to work in any career/job field
- Death benefits in cases in which an individual dies as a result of a work injury. Death benefits are collected by the decedent’s loved ones.
To learn more and determine for which of the above benefits you qualify, consult a workers’ comp attorney today.
St. Louis Workers Have a Right to a Safe Workplace
At The Tapella & Eberspacher Law Firm, it is our mission to inform St. Louis residents of their rights as workers and help them exercise those rights. Workers’ comp benefits were created for a reason: to help you recover physically from a workplace injury without having your financial health suffer. Our lawyers will not, therefore, allow an employer to get away with illegally discouraging you from collecting workers’ comp benefits or stand by while their insurer pays you less than you deserve.
To get started on your workers’ comp claim, reach out to our St. Louis lawyers at (314) 701-7722 today for a free consultation.