In order to fulfill the demands of our profession, we rely on the abilities of our body and our mind. Suffering an injury or an illness that affects our abilities can have devastating effects on our capacity to earn an income. This is why in the United States there are two types of disability benefits available to those who are unable to continue with work.
After suffering an illness or injury, your financial situation can change quickly. From the moment that you need to stop working in order to recover, it is likely that you will be losing wages. Long- and short-term disability insurance acts as a safety net for those who would otherwise suffer significantly after being unable to work.
If you have been injured while at work, you are probably aware that you have the right to make a workers' compensation claim in Missouri, but you may be confused regarding what types of compensation it gives you the right to claim. It is important, therefore, that you understand what you should expect to receive and what responsibilities your employer has toward you.