If you have had a workers’ compensation claimed denied, contact the St. Louis workers’ comp attorneys of OnderLaw, LLC to discuss getting the compensation you need to recover from your work related injury.
Despite increased safety regulations and focus on workplace safety initiatives in the United States, work injuries and illnesses are still an unfortunately common occurrence nationwide. In the state of Missouri alone, 101,870 employees experienced work-related injuries in 2018.
The Missouri Department of Labor found that 9,024 of these 2018 injuries resulted in time lost at work, and the highest percentage of these injuries occurred in St. Louis County.
These disturbing statistics demonstrate the importance of the workers’ compensation policies that employers must have to support their workers. However, these policies are only valid when employers respect a worker’s legal right to compensation after a workplace illness or injury.
If you or a loved one are filing a claim for workers’ compensation, you need a lawyer working by your side, to help you receive compensation that is fair and justified for your injuries. Contact OnderLaw, LLC at (314) 963-9000 to begin work on your case today.
Why You Need a Workers’ Compensation Lawyer
Worker’s compensation coverage exists to provide benefits to employees who’ve become injured or ill on the job and to protect the company from injury lawsuits. However, getting the benefits you’re owed is not always straightforward or simple.
Employers or their insurers might try to deny or diminish your claim to avoid increased premiums or payment for the costs associated with your treatment and recovery. If you work alone on your workers’ compensation claim, your employer or their insurance provider may try to take advantage of you while you are in this vulnerable position.
A workers’ compensation lawyer will not allow this to happen, working on your behalf to protect your rights. A lawyer will help prove fault in your case by compiling and organizing the evidence you need.
They will also act as an intermediary throughout this process, talking with your employer, insurance companies, and any other lawyers involved so that you can focus on your recovery.
With professional assistance on your side, you can get better while your lawyer works to ensure that you get all of the benefits you’re owed under your employer’s worker’s compensation policy.
Why Choose OnderLaw, LLC?
OnderLaw, LLC has a notable record of success helping our St. Louis clients receive the workers’ compensation they need for on the job injuries or illness.
We will put our skill and experience to work for you. We use an innovative approach for each of our clients’ cases, combining our knowledge of the field with the specifics of your accident, to create an individualized plan to help you win.
In addition to the high-quality legal counsel you will receive when working with OnderLaw, LLC, you can also expect compassionate support from each of our attorneys.
OnderLaw, LLC attorneys understand that a workers’ compensation claim is complicated and often confusing. We will make this process as easy for you as possible, answering each of your questions and making sure that you fully understand your rights.
OnderLaw, LLC offers a free initial consultation about your workers’ compensation case. When we take your case, we do not charge anything for our legal services until we win compensation for you.
Missouri Workers’ Compensation Laws
Workers’ compensation is a type of accident insurance policy that the United States requires most employers to carry. This policy aims to protect employees in the event of a work-related injury or illness.
When you file a workers’ compensation claim, private insurance agencies, or state-run workers’ compensation funds will cover the cost associated with your injury. Although the U.S. Department of Labor oversees compensation for government employees, every state has different policies regarding workers’ compensation for private employers.
In the state of Missouri, every company that employs more than five people and all construction companies that employ one or more people must have a workers’ compensation policy.
Companies have two options for providing workers’ compensation to their employees. One is to purchase this insurance through a private agency. The other is to get special permission from the Missouri Division of Workers’ Compensation to self-insure for worker liabilities. These strict laws in place in Missouri protect most employees throughout the state in the event of a workplace accident.
Unfortunately, not all companies follow these requirements, or they may misrepresent their coverage to avoid paying employees after an accident. It is also essential to recognize that some companies may try to take advantage of this challenging situation, in an attempt to prevent you from receiving compensation.
Your employer may tell you that compensation will come out of your salary or that you are at risk of losing work hours or your job if you seek compensation. Both of these tactics violate workers’ compensation policies. This financial compensation should never come from your salary, nor should you ever experience workplace penalties for seeking workers’ compensation.
If your employer or their insurance provider tries to pressure you to stop your claim, or if they do not offer you the compensation you deserve, they are breaking the law. Without workers’ compensation, you may be facing an unjust financial burden after an accident.
Compensation after a workplace accident or illness should fall on your employer’s shoulders, especially when they could have – and should have – prevented your injuries or illness from ever occurring.
Benefits Included in Workers’ Compensation Coverage
When you are managing a severe work-related injury or illness, you may need emergency medical care as well as on-going medical treatment, depending on the severity of your injuries.
Medical services are expensive, but workers’ compensation will help ensure that you do not have to compromise your health because of financial constraints.
Workers’ compensation may cover all necessary medical treatment, including but not limited to:
- Doctor’s visits
- Physical therapy
- Psychological therapy
- Prescription medication
- Medical devices, such as wheelchairs or walkers
Although medical bills are usually the most pressing concern after an illness or injury, medical treatment coverage is only one part of workers’ compensation. This policy will also protect you from the financial losses you may experience because of your time away from work.
If your doctor determines that you are unable to return to work while recovering from an injury or illness, you may be eligible for lost wages payment from your employer. The Missouri Department of Labor categorizes this lost time at work in one of two ways:
- Temporary total disability (TTD): you are entirely unable to perform your job during your recovery. You can receive compensation at 66 2/3% of your average weekly earnings during this time.
- Temporary partial disability (TPD): you have some limitations on the work you can perform during your recovery. If your employer reduces your pay, while you cannot work in your usual capacity, they must pay you weekly compensation, at 66 2/3% of the difference between your earnings before and after the accident.
This protection of lost wages under Missouri’s workers’ compensation laws gives you the time and space you need to heal while reducing some of the financial stress you may face.
However, some serious work-related injuries and illnesses are so severe that you may require permanent disability benefits because of your lost ability to return to work.
Employers calculate permanent disability benefits using the same standards as temporary disability, differentiating between total and partial disability, but these benefits apply for an extended time.
Injuries Covered Under Workers’ Compensation
Workers’ compensation applies to almost all injuries you suffer at work. Workers’ compensation also applies to long-term illnesses or disabilities that resulted from your work.
Some work environments, such as construction or mechanical work, are more prone to accidents and injuries than others because of inherent safety risks.
However, if a company disregards safety guidelines or otherwise neglects to keep their employees safe, any workplace can have significant hazards that lead to an injury or illness.
Some of the most common workplace injuries that workers’ compensation covers include:
- Broken bones
- Deep lacerations
- Strains and sprains
- Neck and spine injuries
- Head trauma
These types of injuries usually occur during an accident that occurs in the workplace. However, the nature of the work you are doing may also lead to long-term health problems, known as occupational illnesses.
Repetitive motion, heavy lifting, or prolonged exposure to dangerous environments may all result in cumulative damage to the body, which appears later in your life or after a significant length of time at a job.
Some of the most common occupational illnesses covered under workers’ compensation include:
- Carpal tunnel syndrome
- Repetitive strain or stress injuries
- Diseases from toxin exposure
- Hearing loss
- Psychological distress
- Respiratory diseases
Occupational illnesses are often more challenging to prove and receive compensation for because you must demonstrate that your work directly caused these long-term effects.
However, whether you have a work accident that results in an immediate injury or you have health concerns related to your work, you need financial compensation to help you manage these problems.
Contact OnderLaw, LLC Now
If a workplace accident or illness has affected you or a loved one, you need legal counsel when filing for your workers’ compensation. Even when you have a justified claim, many employers try to avoid paying an injured or sick employee.
The lawyers at OnderLaw, LLC know the tactics that employers use, and we will fight back so you can get the compensation you need.
However, you must act quickly, because you may only have 30 days to file a workers’ compensation claim after an accident or the diagnosis of an illness.
Contact OnderLaw, LLC at (314) 963-9000 today to start work on your workers’ compensation case.