Missouri has set out a system of laws designed to ensure that employees are treated fairly when injured while performing job-related activities. I represent people to ensure they are receiving the best treatment to ensure maximum physical recovery and help my clients obtain any monetary compensation they are entitled to receive.
If you qualify for Workers’ Compensation you are entitled to:
- Medical Care and Treatment at no cost to you (not even co-payments)
- Temporary Total Disability Pay (TTD)
- Permanent Disability Compensation (PPD)
Medical Care and Treatment
If you are injured at work it is extremely important you let your employer know right away. Your employer will then need to open an injury claim with their Workers’ Compensation Policy. You will then be given the option to seek treatment through the doctors your employer’s plan has available in your area. This treatment must be offered to you at no cost to you; you will not even be responsible for making any co-payments that may be required on your own personal health insurance policy.
There are some potential conflicts of interest that may arise while treating with a physician that is provided for you by your employer’s plan. First, the doctors may be more inclined to suggest that your injury was caused by something that was not work-related or that your injury was caused by a pre-existing condition or a prior injury. Second, it is possible that the physician will claim that you are at “maximum recovery” when your condition could be improved with further treatment.
One of the things I help with during the treatment phase is examining the records to determine if it would be beneficial to have an independent medical examination or an IME. Much like with any other illness or injury, a second opinion can be very beneficial.