Lake of the Ozarks, MO Workers’ Comp
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Work Related Injuries
A workers' comp claim in Lake of the Ozarks, MO can be filed for any work-related accident or condition that causes disability through illness or injury. There are countless ways that a person could become injured on the job in Lake of the Ozarks. Any worker can get hurt on the job, even in occupations that seem low-risk.
According to the U.S. Department of Labor, the occupations in which the highest number of injuries and illnesses occur are:
- Truck drivers
- Janitors and cleaners
- Nursing assistants
- General maintenance and repair workers
- Retail salespersons
- Stock clerks
- Registered nurses
- Delivery drivers
- Construction laborers
Workers Compensation SettlementsEach state has its own laws and requirements when it comes to workers' comp cases. In Missouri, construction industry companies with at least one employee must carry Missouri workers' compensation insurance. Other employers in Lake of the Ozarks, MO are required to have workers' compensation insurance if they have five or more employees. This does not apply to certain specific situations, like work done for private households and some unpaid volunteer work. If you have any questions about your employer's workers' compensation insurance and if you are covered, contact Missouri Injury Law, your Lake of the Ozarks, MO workers' comp law firm, right away. Lake of the Ozarks, MO workers' comp insurance covers certain individuals in certain situations. Primarily, your injury must have come about during your time of employment and be caused by your job in some way. This is easy to demonstrate in sudden, traumatic events like an iron beam falling on a construction site that crushes the bones in your foot. However, you may also be covered by workers' comp insurance for diseases or injuries caused by exposure over time, such as cancer or carpal tunnel syndrome, but you must be able to show that the occupational conditions were the prevailing factor for your injury and resulting disability.
Anyone who has been hurt or fallen ill because of their work conditions should file a workers' comp claim. You have two years from the time of the injury to file a workers comp claim in Missouri. You are also required to report the injury to your employer. Report your accident right away. You must report your injury within 30 days of the accident, or your Lake of the Ozarks, MO workers' comp claim could be denied. Beyond this time frame, victims, regardless of their injuries, forfeit all rights to compensation for their injuries. To maximize the number of damages you can recover in a workers compensation settlement, talk to a workers comp lawyer in Lake of the Ozarks, MO as soon as possible. A workers' comp lawyer will work to get the best possible outcome for your case, making sure you file correctly and don't get caught up by the small print.
Some of the typical types of damages one can recover in a workers' comp case include:
- Medical Expenses: You need and deserve the proper medical care after suffering workplace harm, regardless of the cost. Missouri workers' comp covers all approved medical testing, treatment, prescriptions, and medical devices. Keep track of all medical care you receive, so you can receive coverage or reimbursement for things like rehabilitation services, surgeries, x-rays, hospital stays, and other medical procedures.
- Vocational Rehabilitation: As a workers' comp victim, you may be able to recover reimbursement for vocational rehabilitation. For example, if you're unable to continue your job because of your injuries, your employer will pay for some level of ongoing education. This will allow you the opportunity to embark on a new, sustainable career.
- Mileage Reimbursement: You may have to see specific doctors chosen by your workers' compensation insurance throughout the course of your treatment. Some, especially specialists, may be outside of the Lake of the Ozarks area. In Missouri, you can be reimbursed for any mileage and expenses you incur due to travel, up to 250 miles each way for a medical visit.
- Pain and Suffering: This includes life-changing injuries that cause continued pain and suffering. In addition, benefits can be awarded to family members for the impact of the victim's disability on their lives, and survivor benefits can be awarded to the family members of a deceased work-injury victim, in the form of final expenses and ongoing weekly wages.
- Lost Wages: Workers' comp often provides employees with income to replace the wages you are unable to earn because of your condition. There are different calculations based on the severity and permanence of the work-related disability. You may receive temporary total disability (TTD), permanent total disability (PTD), or permanent partial disability (PPD). These wages are calculated as a percentage of the state's average weekly wage.
How A Lake of the Ozarks, MO Workers' Comp Lawyer Can Help
Missouri workers' comp benefits are designed to be a streamlined process, but that doesn't always mean that it will be simple or easy. Each case is different, so it's important to consider the factors that are unique to your case. Before you hire a Lake of the Ozarks, MO workers' comp lawyer, talk to the attorneys of Missouri Injury Law for a complimentary consultation. This conversation will determine if you need a lawyer for your case, and if Gene Hou and his team are a good fit for you. To decide if you need a lawyer, it is helpful to understand in what ways having a workers' comp lawyer on your case can help you.
Your workers' comp lawyer will:
- Gather and develop evidence. Your lawyer can do the work for you when it comes to requesting documents like medical records, and keeping them organized. Your workers' comp lawyer will also have the experience needed to record witness statements, take expert testimony, and build your case with other supporting evidence.
- Negotiate. An experienced workers' comp lawyer is familiar with workplace injuries such as yours. They know the true value of your case and are familiar with tactics insurance companies use to try to settle for a lower amount. Your lawyer's expertise will be able to secure a much higher settlement than you could likely get on your own.
- File additional claims. First of all, if you file a Lake of the Ozarks workers' comp claim on your own and it gets denied, you need a lawyer to help you with a successful appeal. If your injury is truly a result of your occupation and it has caused you any suffering, you are entitled to workers' comp coverage. A claim can be denied for many reasons, and a lawyer can help you make the most of your appeal. In addition, if your workers' comp settlement does not cover the extent of the damages you suffered, your lawyer can help you recover additional coverage through a third party claim.
- Protect your rights. Your Lake of the Ozarks, MO workers' comp lawyer will protect you against the tactics of insurance companies, an employer who resists giving you the benefits you are legally allowed, and can give you recourse if you experience retaliation at work for filing a claim.
- Represent you. If your workers' comp claim ends up going to court, you are at an advantage if you already have a workers' comp lawyer. You will be prepared with legal representation that is familiar with your case and already has the documentation they need. Your workers' comp lawyer is experienced in these cases and knows what it takes to win. They will help you understand everything throughout the process and fight for the compensation you deserve.
Workers' Comp Law Firm in Lake of the Ozarks, MO
If you have suffered a significant injury, chronic pain, or other health problems due to a sudden work accident or exposure through your regular work conditions, you may be entitled to recover a workers' compensation settlement in Lake of the Ozarks, MO equivalent to the value of your injuries (partial or total, temporary or permanent). Our workers' compensation attorneys in Lake of the Ozarks, MO, are here to discuss your rights to workers compensation benefits in Lake of the Ozarks, MO, and offer support during the Lake of the Ozarks, MO workers compensation claims process. Contact our MO Workers Compensation Attorneys today for a free case review and consultation.