As part of the Division of Labor Standards under the Missouri Department of Labor & Industrial Relations, Missouri Safe at Work reported 91,808 workplace injuries and 142 workplace fatalities in 2021. Workplace injuries and fatalities can happen in virtually any occupation. If you have been hurt while working in St. Louis, Missouri, or if a loved one has died as a result of a workplace injury, you may qualify for workers’ compensation insurance benefits.
However, you may face resistance as you fight to get the money you deserve for medical treatment and lost wages. The experienced St. Louis workers’ compensation lawyers at Brown & Crouppen can help you maximize your financial recovery.
Since 1979, Brown & Crouppen has been a leader in personal injury litigation in St. Louis and across the state of Missouri. Our client satisfaction is second to none, thanks to our commitment to injured workers and the results we achieve on their behalf. To date, we have won over $1 billion in benefits, settlements, and verdicts for clients like you.
Contact our law office in St. Louis, Missouri to discover why we are the legal team you want to handle your workers’ compensation claim. Call (314) 501-9510 or request a free case evaluation online to get started.
What is workers’ compensation?
Workers’ compensation is a type of insurance that most employers in the state of Missouri are required to carry. Under the law, all private employers with at least five employees must have workers’ compensation coverage. Construction companies must have workers’ compensation if they have just one employee. Some employers also have the option of being self-insured.
Workers’ compensation has two critical functions:
- Eligible employees qualify for benefits if they suffer a work-related injury or are diagnosed with an occupational disease.
- Employers are protected against litigation when workers get hurt on the job.
Since workers’ compensation is a “no-fault” system, benefits are paid regardless of who caused an employee’s accident. This means you can qualify for workers’ compensation benefits even if you contributed to your on-the-job injury.
Do I qualify for workers’ compensation benefits?
You will qualify for workers’ compensation benefits if:
- You work for a private employer with at least five employees or a construction company with at least one employee
- You suffer a work-related injury or are diagnosed with an occupational disease
- You are classified as an employee, not a contractor
This applies to all employees, including part-time/casual laborers, full-time, or family members. Your employer must legally post information about their workers’ compensation coverage in a conspicuous place, provide details about the policy, and identify the insurance company or claims administrator. Make a note of this information if you have been hurt on the job.
What benefits are available to injured workers in St. Louis?
According to the Department of Labor & Industrial Relations, workers can receive certain benefits in a workers’ compensation claim depending on the scope of their injury.
The cost of all necessary and reasonable medical treatment—both present and future—should be covered by either the employer or its workers’ compensation insurance company.
However, there is one notable catch: you must seek care from a pre-approved medical provider. The employer (or insurer) has the right to choose your healthcare provider; they may permit you to see your own doctor.
Temporary Total Disability (TTD)
If your injury or recovery prevents you from returning to work temporarily, you can qualify for temporary total disability (TTD) benefits. TTD offsets your lost wages while you recover and until your doctor approves your return to work or you have reached maximum medical improvement, whichever occurs first.
Temporary Partial Disability (TPD)
If you can work after suffering an injury, but only in a reduced capacity, you may qualify for temporary partial disability (TPD). TPD offsets the loss of income associated with your partial disability.
Permanent Partial Disability (PPD)
Sometimes an injury will prevent you from returning to your old job, even in a reduced capacity. However, you may still be able to work a different job. In these situations, you can recover permanent partial disability (PPD) benefits to make up the difference in the wages you can bring home now versus when you got injured.
Permanent Total Disability (PTD)
When your workplace injury or disease prevents you from working, you can qualify for permanent total disability (PTD) benefits. PTD compensation is based on the severity of your injuries, the extent of your disability, and your average weekly wage.
When a worker dies due to a workplace injury, suffers PPD or PTD and dies from a cause unrelated to the work-related injury, or succumbs to a deadly occupational disease, surviving family members may qualify for death benefits under the employer’s workers’ compensation policy. Typically, this includes lost wages and a one-time funeral benefit of up to $5,000.
Additional benefits may be available in some situations. Contact Brown & Crouppen for a complete overview of the awards you may be eligible to receive when you file a workers’ compensation claim in St. Louis, Missouri.
Types of Injuries and Illnesses Eligible for Workers’ Compensation
You can qualify for workers’ compensation benefits if you suffer an injury due to your employment. Brown & Crouppen represents workers’ compensation claims involving:
Additional injuries that may be eligible to recover workers’ comp benefits include: Broken bones, nerve damage, burns, eye injury, repetitive stress, hearing loss, cancer, mesothelioma, respiratory disease, infection, and other illnesses that may be related to an on the job injury.
The National Safety Council reports the top three work-related injury causes are exposure to harmful substances or environments, overexertion and bodily reaction, and falls, slips, and trips with statistics from 2020.
Always notify your employer as soon as you have been injured on the job in St. Louis. Promptly seek medical treatment, and contact our compassionate legal team for help.
How can a St. Louis personal injury lawyer maximize my workers’ compensation benefits package?
You may be legally entitled to workers’ compensation benefits under the law. However, your employer won’t want to see their premiums increase, and the insurance carrier certainly won’t be eager to cut you a check. In turn, this can make the claims process quite difficult for you.
That is not something you should struggle with while trying to recover from your workplace injury. Fortunately, you are not alone. Our experienced St. Louis personal injury lawyers are in a position to win your claim and get the total value of the benefits you deserve.
Our top-rated legal team will handle every aspect of your claim for workers’ compensation benefits in St. Louis, so you have the time you need to heal. We will:
- Ensure timely notice is provided to your employer and their insurance carrier
- Help you obtain medical treatment and secure a second opinion, if necessary, so the scope and impact of your workplace injuries are properly diagnosed
- Gather medical records, accident reports, documentation of OSHA safety violations, photographs, video footage, witness statements, and physical evidence that can be used to support your benefits claim
- Prepare and file necessary forms on your behalf
- Determine if you may also have the right to bring a personal injury lawsuit against a third party
- Negotiate with your employer’s insurance company and other involved parties
- Appeal any decision to deny your workers’ compensation claim and represent you at hearings
We aim to achieve the best possible outcome in your workers’ compensation case. You can benefit from a team with decades of experience that has won over $1 billion for injury victims like you. Call our law office in St. Louis or reach out to us online to get started. Your first consultation is free.
Do I have a time limit for seeking workers’ compensation after a workplace injury in Missouri?
Under Missouri Statute 287.380, you must notify your employer within 30 days of your injury or diagnosis; failure to do so may compromise your ability to receive workers’ compensation benefits. You have two years from the date of your injury or diagnosis to file a formal claim for workers’ compensation benefits. Once the statute of limitations expires, so will your right to recover the compensation you deserve.
What can I do if workers’ compensation does not cover all my costs?
You cannot sue your employer if you recover workers’ compensation, but you may have the right to file a lawsuit against a liable third party. Responsible third parties could include:
- Property owners
- Product or equipment manufacturers
- Health care professionals
- Motorists, if you are injured in a work-related car or truck accident
Our St. Louis workers’ compensation attorneys will help you identify all potential avenues for financial recovery after you get injured at work.
Trusted St. Louis Workers’ Compensation Lawyers Ready to Fight for You
Whether you have been hurt in a fall, crushed by machinery, or developed a debilitating disease after exposure to a toxic chemical at work, you should not try to pursue a complicated claim for workers’ compensation benefits on your own.
Level the playing field against your employer and their tough insurance company by calling Brown & Crouppen. Our St. Louis workers’ compensation lawyers have been fighting for injured laborers since 1979, and now we are ready to stand up for you.
We offer a free initial case evaluation and work on contingency, so you face no upfront costs in hiring our personal injury lawyers. You only pay if we win your case. Contact our St. Louis law office by requesting a free case evaluation to get started today. We are standing by to take your call.