If you’ve been injured at work, navigating the workers’ compensation process in Missouri can be overwhelming. However, there are common mistakes that many workers make, which can hurt your claim or cause unnecessary delays. By understanding these mistakes and taking the proper steps, you can ensure that your workers’ compensation claim is processed smoothly and you receive the benefits you’re entitled to.
To avoid these pitfalls and ensure the best outcome for your case, seeking the help of a professional who specializes in workers’ compensation law can be invaluable. For example, an experienced workers’ compensation lawyer can provide you with the expertise needed to understand your rights, walk you through the process, and fight for the compensation you deserve.
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In this article, we will discuss the most common mistakes to avoid when filing a workers’ compensation claim in Missouri, helping you navigate the process with confidence and ease.
Mistake No. 1: Failing to Report Your Injury Promptly
The first step in the workers’ compensation process is reporting your injury to your employer. In Missouri, you are required to report your injury within 30 days of the incident. However, the sooner you report it, the better. Delaying this step can result in your claim being denied or delayed.
If you are injured at work, don’t assume your employer knows about it. Report the incident in writing to your supervisor or HR department immediately. Even if you think your injury is minor, it’s still important to report it as soon as possible to protect your rights and start the claims process.
Avoid Mistake No. 1: Always report your injury to your employer immediately, and do so in writing.
Mistake No. 2: Failing to Seek Medical Attention
Many workers believe that their injury isn’t serious enough to see a doctor or that they can just “push through” the pain. However, this can be detrimental to your claim. Seeking prompt medical attention not only helps ensure you recover as quickly as possible but also creates a medical record that links your injury to the work-related accident.
It’s important to let your doctor know that your injury occurred at work. This documentation will help support your claim for workers’ compensation benefits.
Avoid Mistake No. 2: Always seek medical attention after a workplace injury and make sure your doctor is aware that it was work-related.
Mistake No. 3: Relying on Health Insurance Instead of Workers’ Compensation
It’s common for injured workers to mistakenly think they can just use their personal health insurance to cover the costs of their treatment. While health insurance can help with medical bills, it doesn’t provide the full range of benefits offered by workers’ compensation.
Workers’ compensation in Missouri covers 100% of your medical bills related to your work injury, and it also provides wage replacement benefits if you’re unable to work. Don’t make the mistake of using your health insurance as a substitute. You should file a workers’ compensation claim to ensure you’re receiving all the benefits you’re entitled to.
Avoid Mistake No. 3: Don’t rely solely on your health insurance; file a workers’ compensation claim for full coverage.
Mistake No. 4: Not Reporting Repetitive Stress Injuries
Many workers think they don’t have a workers’ compensation claim if their injury didn’t happen due to a single, identifiable event. However, repetitive stress injuries, like carpal tunnel syndrome, back problems from heavy lifting, or tendonitis, are just as valid for workers’ compensation claims as injuries from accidents.
If you develop a condition due to repetitive motions or long-term strain at work, you are still entitled to workers’ compensation benefits. Don’t assume that you need a “one-time” injury to qualify for benefits.
Avoid Mistake No. 4: Report repetitive stress injuries to your employer, even if the injury occurred gradually over time.
Mistake No. 5: Failing to Keep Detailed Records of Your Injury
Keeping detailed records of your injury and the steps you take to seek treatment is essential for a successful claim. This includes maintaining copies of medical records, treatment plans, doctor visits, and any communication with your employer regarding your injury. Without this documentation, it may be difficult to prove the extent of your injury and how it affects your ability to work.
Be sure to document everything carefully, including how the injury happened, your symptoms, and any treatments or medications you’ve received. The more thorough your records, the stronger your case will be.
Avoid Mistake No. 5: Keep detailed, organized records of your injury, treatment, and communication related to your workers’ compensation claim.
Conclusion
Filing a workers’ compensation claim can be a complex and sometimes overwhelming process, but understanding the common mistakes to avoid is a crucial first step toward ensuring you receive the full benefits you’re entitled to. By reporting your injury promptly, seeking medical care, and keeping detailed records, you can greatly improve your chances of a successful claim.
Remember, workers’ compensation is your right, and it’s important to follow the proper procedures to ensure you’re protected. If you have any questions or need assistance navigating the claims process, don’t hesitate to reach out to an experienced attorney who specializes in workers’ compensation law.
