How Do I Know If I Have a Workers’ Comp Claim?

Published August 2024

If you were hurt on the job, you may be entitled to workers’ compensation benefits. Missouri law provides a system designed to cover medical care and a portion of lost wages for work-related injuries. Here’s how to evaluate whether you likely have a claim.

Was the Injury Work-Related?

Generally, the injury must arise out of and in the course of employment. This includes injuries that occur while performing job duties, traveling for work, or attending required work events. Occupational diseases and repetitive-stress injuries can also qualify.

Did You Report the Injury Promptly?

Missouri requires employees to notify their employer of a workplace injury within 30 days. Written notice is best. Late reporting can jeopardize benefits, so act quickly and keep a copy of any notice you provide.

Is Your Employer Required to Carry Coverage?

Most employers with five or more employees must carry workers’ compensation insurance. Construction employers typically need coverage regardless of the number of employees. Certain categories (agricultural, domestic, independent contractors) have exceptions.

What Benefits Are Available?

Covered benefits often include medical treatment, temporary total or partial disability payments, permanent disability benefits, vocational rehabilitation, and death benefits for dependents in fatal cases.

What If the Claim Is Denied?

Denials are common. You have the right to appeal. An experienced workers’ compensation attorney can gather medical evidence, challenge the insurer’s position, and represent you before the Division of Workers’ Compensation.

If you are unsure whether your injury qualifies, contact Deputy & Mizell for a free consultation. We help injured workers throughout Camdenton, Lebanon, Springfield and the Lake of the Ozarks region.

Request a free consultation or call 417-532-2191.