5 Rights Many Injured Missouri Workers Are Not Aware Of
Summary: Most people know about workers compensation laws and how these benefits can help injured workers get back on their feet. However, the more in-depth you go into these regulations, the more rights you may find out you have.
It’s important to know your rights when filing a workers compensation claim. That way, you can avoid any wrongdoings made by your employer or the insurance company. If you feel like your claim has been denied unjustly, or the benefits do not cover all your treatment, please reach out to a St. Louis workers compensation lawyer as soon as you can.
Here are a few rights that many injured workers are unaware of:
1. You Generally Cannot Get Fired for Filing a Workers Compensation Claim
A lot of injured workers do not report their injuries or file for benefits out of fear of getting fired because of it. However, under normal circumstances, it is against Missouri law to fire an employee because they filed a workers compensation claim.
2. You Are Generally Entitled to Compensation Benefits Even If the Accident Was Your Fault
Workers compensation is, by design, a no-fault system. Because of that, under most circumstances neither your or your employer’s fault matter in workers compensation cases. Employers are protected by these laws because if you do receive these benefits, you cannot then sue them for negligence. You, in turn, get these benefits even if the accident was a result of your mistake. There are a few expections to this, for example if you intentionally hurt yourself to get workers compensation.
3. Your Employer and it's Insurance Company Have No Say in Your Treatment
Per the Missouri law, your employer has the right to choose the doctor who will treat you. Most often, this right is given to the insurance company who carries the policy. However, neither party has any say in what treatment you should get, or for how long.
4. You Can Disagree with the Treatment
If you feel the treatment isn’t right, you don’t have to accept it. You can inform your employer or the insurance company about your decision. If that leads nowhere, you can take the matter to the Missouri Division of Workers Compensation and have them rule over the dispute.
5. You Can Hire a Lawyer
The parties involved may try to convince you that a lawyer is not necessary in workers compensation cases. However, it is in your best interest to reach out to one and discuss your case with them. Even if the insurance company has no intention of denying the claim, they may refuse to cover part of your treatment or miscalculate your lost wages, leading to lower benefits.
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