A workplace injury can be a tremendous source of stress and worry for you and your loved ones.
How will you even begin to pay for all of those medical bills and keep up with other expenses if you aren’t bringing home any income?
Help is available. Workers compensation laws provide a safety net that may cover medical treatment and lost earnings for those who get hurt on the job.
Here’s an overview of the benefits that may be available to you in the State of Missouri.
Most Missouri employers or their insurers must cover medical costs stemming from workplace injuries.
Your employer may require you to use accumulated paid personal leave or sick leave while receiving treatment. You may also be required to submit to “reasonable” medical examination as a condition of continuing to receive benefits.
If you miss more than three days of work due to a work-related injury, you may be eligible for a weekly check for the duration of your recovery.
You may be entitled to a monetary settlement if you are left with any permanent disabilities after completing treatment for a workplace injury.
Permanent partial disability means you are still able to perform some jobs but not others. If this is the case, you may qualify for 66 ⅔ percent of your average weekly earnings on the date of your injury, not to exceed a limit set by law.
The treating physician will assign you a percentage disability rating, which estimates your level of disability and indicates the types of work you are able to perform. Ratings are usually conservative and rarely reflect the true extent of disability. A qualified workers comp lawyer will work to ensure that your rating is accurate so that you receive the full benefits you are entitled to.
Permanent total disability means you are no longer able to perform any job because of a workplace injury. In such cases you may qualify for weekly payments for the rest of your life.
You may be required to undergo vocational testing scheduled by your employer or their insurer before you can receive permanent total disability payments. A vocational rehabilitation counselor will assess whether or not there are any jobs that you could perform with the level of disability that you have.
If you have suffered an injury at work, contact Eng & Woods today.
Our workers compensation attorneys will help you navigate the process and recover the benefits you deserve.