If you have been injured while at work in Missouri, you should take the time to understand the laws that are in place, because you may be entitled to compensation. Workers’ compensation insurance is designed to protect workers across the United States from the financial impact of an injury at work.
Therefore, by making a workers’ compensation claim, you may be able to gain back a portion of the wages that you lost when taking the time to recover from your injury, as well as medical bills and other costs associated with the incident. The following are the main things that you need to know.
You should act quickly
In Missouri, workers must report their injury to their employer within 30 days of their injury occurring. If they fail to do this, they may not be entitled to make a workers’ compensation claim. They must also file a claim with the Division of Workers’ Compensation within two years.
Your employer has the responsibility to obtain workers’ compensation insurance
All construction employers and all other employers with 5 employees or more have the legal obligation to obtain workers’ compensation insurance. There are only limited exceptions to this law. Also, employers must display information about their employees’ right to file for workers’ compensation.
You may not be able to choose your medical provider
In Missouri, employers reserve the right to choose the medical provider for employees. This means that you may not be able to see your regular doctor.
If you have been injured at work and suffered financial damages, you should make sure that you do not miss the opportunity to gain back damages.