Workers Compensation in Kansas City, MO
You aren’t alone if you ask “How does workers comp work?” Workers’ compensation is a type of insurance that provides wage and medical benefits to people who have become ill or injured while at work. The extent of workers’ comp coverage an employer is required to carry is governed by Missouri state law. Thus, in trying to figure out how workers comp works, it helps to understand the laws on the books in the state where the business operates. If the injury or illness a worker sustains is eligible for compensation, the insurance carrier should help ease the financial burden the illness or injury created on the worker. Learn some of the basic principles of Kansas City, Missouri workers’ compensation insurance and how the process works.
Workers Compensation Statistics in Kansas City, Missouri?
The most common injuries in Kansas City, MO are related to falling objects, slip and fall accidents, strains, and overexertion. According to The Kansas City Star, lawmakers have voted to overturn legislation that made it more difficult to receive benefits for a workers’ compensation claim. Therefore streamlining the approval process to open up better care for more local employees. You are entitled to benefits and treatment if you have incurred an injury while doing your job in Kansas City.
How Does Workers Comp Work in Kansas City, Missouri?
Unfortunately, going through the process of applying for workers’ compensation begins with getting sick or injured on the job. The circumstances surrounding the incident that led to your problems are especially crucial. For example, the injury had to occur during your regular work duties. While an event that happens during your lunch break wouldn’t apply, getting into a car accident while running an errand for your boss would qualify for a claim.
In Kansas City, MO you must carry workers’ compensation insurance if you have 5 or more employees. But, if you are in the construction industry you must carry workers’ compensation insurance if you have 1 or more employees, according to The Department of Labor and Industrial Relations. Workers’ compensation in Missouri covers medical expenses, temporary wage replacement, and compensation for disability. Mental health is only covered if it relates to the physical injury, and you can prove extraordinary circumstances.
For example, say your supervisor asked you to drop something off on your lunch break. While running this errand you then get in a car accident on your way to the destination. Any resulting injury is eligible for workers’ compensation. However, if you are on your lunch break, performing no such task when you get in an accident, it does not qualify for a claim.
The steps you take immediately following a workplace incident in Kansas City, Missouri are critical for purposes of filing a claim for compensation. Follow the following steps to preserve your rights and learn how workers comp works.
Get Medical Attention
After you get injured or feel ill, the first step is to see a doctor. Don’t delay seeking help from a Kansas City, Missouri healthcare professional. This could not only jeopardize your health, but you run the risk of missing time-sensitive deadlines. Some of which are critical in the workers’ compensation process. Having a proper medical report that details the extent of the damage and how it occurs is the first step in the process. Your employer cannot file a claim with their insurance carrier without this information.
When dealing with a job-related illness, the symptoms and diagnosis may not happen right away. You may find yourself attending regular checkups and testing for weeks or months. All before a doctor finally associates your illness with your job. Your doctor may make the determination that the illness is either the result of your work conditions or aggravated by them. Once they do, see your human resources representative to file a workers’ compensation claim.
File a First Report of Injury
The first report of an on the job injury or illness will provide the workers’ compensation insurance carrier with the details of the events leading up to the injury. In this report, you will provide your physical injuries, the medical treatment you received and the facilities that provided it. It’s always a good idea to bring a copy of the doctor’s report to submit with the report of injury.
According to The Library at The University of Missouri, acting in a timely manner should be your biggest consideration when filing your first injury report. If you are injured in a work-related event, you should inform your employer immediately. After informing your employer you should then seek medical treatment as soon as possible. Taking these steps will establish a timeline of events and will allow you to push back against any disputes should they arise. After you receive medical care, it’s best to obtain 2 copies of the physician’s report. 1 copy for your own personal files at home, and 1 copy for the files of your employer.
Timeline and Other Information
As soon as you alert your employers to your injury they have 30 days to file your report with the Division of Workers’ Compensation. Once they have received your claim, the insurance company will have 15 days to approve or deny. Once your claim has been approved. A temporary total disability claim in Kansas City is capped at 400 weeks of payment benefits. Typically, workers are receiving nearly 67% of their weekly working wage. However, temporary partial disability is capped at 100 weeks.
Your employer should furnish you with information about the claims process. The adjuster or insurance carrier representative may want to speak to you at some point. Typically about the incident and to any possible witnesses to the event. In the meantime, the workers’ comp insurer may begin paying medical benefits while the investigation into your claim continues.
Why You Should Hire a Kansas City, Missouri Workers’ Compensation Lawyer
While workers’ compensation claims may be straightforward for some cases in Kansas City, Missouri, in others, it may be more difficult. For example, your employer may decide to question whether you were hurt on the clock or your own time. It’s also common for a company to question the full extent of your injury. Hiring a Kansas City, Missouri workers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.
Work With an Experienced Local Lawyer In Kansas City, Missouri
If you are hurt or contract an illness as a result of your job in Kansas City, Missouri you need to find the right people to help. Since the workers’ compensation claims process can have pitfalls, you should consider getting a local attorney who knows how to avoid them.
Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!