Frequently Asked Questions and Answers About Workers Compensation
Provided by the Attorneys of Brown & Crouppen
1. What is Workers’ Compensation?
Workers’ Compensation is insurance paid by an employer to cover medical care and benefits for employees who are injured or disabled because of their job.
2. What types of injuries qualify for Workers’ Compensation?
Common workplace injuries include:
- Slips & Falls
- Back Injuries
- Fallen Object Injuries
- Cuts / Lacerations
- Carpal Tunnel Syndrome
- Repetitive Stress Injuries
- Broken Bones
Workers’ Compensation injuries can also include serious illnesses or diseases contracted while on the job. This does not include common illnesses such as the flu or a cold.
3. What if my employer doesn’t carry Workers’ Compensation insurance?
Employers without Workers’ Compensation insurance face unlimited liability, including possible punitive damages, if they lose lawsuits arising from workplace accidents.
4. What if my injury occurred on my way to work?
Injuries that occur when a worker is on their way to or from work are not covered by Workers’ Compensation. This includes injuries or accidents that occur during an employee’s lunch break. However, employees who must travel to perform work assignments are covered by Workers’ Compensation benefits if they are hurt during this travel.
5. My boss says I can’t get Workers’ Compensation because it was my fault that I got hurt. Is that true?
No. It doesn’t matter who is at fault, unless:
- You were intoxicated
- You hurt yourself on purpose
- You were horsing around
- You were hurt by someone who was mad at you for personal reasons
6. How much compensation can I receive?
It depends. Workers’ Compensation typically provides some replacement income, medical expenses, and monetary payment for permanent injuries.
7. What expenses is the employee responsible for?
Ideally, none. Workers’ Compensation provides for all approved medical bills to be paid, plus any temporary or permanent disability compensation you’re entitled to.
8. Are there any time limitations for filing for Workers’ Compensation?
Yes. The time limitations vary from state to state. In some cases, several time limits may apply.
9. Can a worker receive Social Security Disability benefits as a result of a work-related injury?
Yes. If a worker is disabled from working and it is anticipated that their disability will continue for one year or more, the worker could be eligible for Social Security Disability benefits. However, Workers’ Compensation and other public disability benefits may reduce your Social Security disability benefits.
10. Why should I call a Workers’ Compensation lawyer?
A lawyer with a track record of handling complex Workers’ Compensation claims can help to protect your rights, and represent you in your fight for injury compensation.
11. Can I get pain and suffering in my Worker’s Compensation case?
Probably not. Workers’ Compensation is an “exclusive remedy.” This means that if you are hurt at work, your only option is to file a Worker’s Compensation claim. There are a few exceptions. Contact Brown & Crouppen to discuss your situation and get the answers you need.
Still Have Questions Regarding Missouri Workers’ Compensation
Contact the experienced workers compensation attorneys at Brown & Crouppen toll free at 877-895-9191 or complete our online contact form. One of our attorneys will be happy to speak with you about work-related injury questions. There is no charge for your initial conversation.