#1: Report an Injury or Illness to Your Employer Immediately
After sustaining an injury on the job or coming down with an occupational
illness during the scope of your employment, it is imperative that you
notify your employer immediately. In the state of Missouri, all injured
workers are given a maximum of 30 days to report an injury to their employer
in writing. If they fail to do so in this allotted amount of time, their
ability to recover
workers' compensation benefits could be jeopardized. Even if they were to wait a couple of weeks
before reporting the injury, their employer or the Division of Workers'
Compensation may use this as a reason to deny the claim. For this reason,
it is highly recommended that you take this step as soon as reasonably possible.
#2: Seek Medical Treatment from an Approved Healthcare Provider
If you were injured in a
work-related accident, your employer is required to pay for any medical treatments, prescription
medications, medical devices, etc. that are necessary to your recovery.
You will not be required to pay a deductible, as all costs will be paid
by your employer and/or their workers' compensation insurance company.
This subsequently means that they have the right to choose the healthcare
provider or physician that you would see for treatment, however, as you
would only be able to choose your own doctor if you were also willing
to foot the bill. As long as you adhere to these restrictions, you should
never receive a bill for the cost of your medical treatment.
#3: File a Workers' Compensation Claim for Disability Benefits
In addition to medical benefits, you may also be able to secure disability
benefits for a work-related injury. Depending on the extent and nature
of your injuries, these can be claimed in the form of Temporary Partial
Disability (TPD), Temporary Total Disability (TTD), Permanent Partial
Disability (PPD) or Permanent Total Disability (PTD) benefits. Each will
take into consideration the amount of time that the individual will be
unable to return to work, as well as the probability that they will ever
be able to return to work. If a worker is permanently injured, for example,
they may be able to receive weekly payments for the remainder of their
life—as they would never again be able to earn a living.
#4: File an Appeal if Your Initial Workers' Comp Claim was Denied
There are numerous reasons why your workers' compensation claim could
be denied by your employer and/or their insurer. If they have reason to
believe that your injuries were not actually sustained on the job or there
is a dispute over the amount of time that you waited to report the injury
to your employer, it is possible that they will deny you the right to
secure disability benefits and medical benefits. Under these circumstances,
it is highly recommended that you discuss your case with a Kansas City
workers' compensation attorney from Meyerkord & Russell as soon
as possible. In doing so, you may have the chance to file an appeal and
fight for the level of compensation that you deserve.
Have questions about the claims process? We have the answers.
If you still have questions about the workers' compensation claims
process, the legal team at Meyerkord & Russell encourages you to take
advantage of a
free initial consultation today. When you contact our office locally at (816) 221-7555 or toll-free
at (888) 880-3157, you can expect your call to be answered by one of the
Kansas City workers' compensation lawyers at our firm. Their legal
advice won't cost you a thing, so there is no reason why you should
wait any longer to get started. You can also submit a free case evaluation
form online if you would prefer – just