What Is Workers Comp Insurance?

What is workers' comp insurance?

Workers’ Comp Insurance Attorney in St. Peters, Missouri

A workplace injury can happen to anyone and in any type of company. Fortunately, workers’ compensation insurance, commonly known as workers’ comp insurance, can help provide employees with the resources they need if they experience a work-related injury or illness.

Workers’ compensation insurance is required by law in Missouri for any employer with five or more employees. This workers’ comp insurance policy covers: 

  • the expense of medical treatment for an injured employee on the job
  • lost wages because of absences from work
  • compensation for permanent disability
  • job retraining for employees who are injured at work or become ill as a result of work-related conditions
  • provide death benefits such as help in paying for a funeral, if they die as a result of a work-related injury or job-related illness

Workers’ compensation coverage may be bought voluntarily by employers to safeguard their businesses against workplace mishaps and the financial pressure of lawsuits. Workers’ compensation coverage also allows business owners to safeguard their most valuable asset – their human resources.

Regrettably, an employer and insurance companies sometimes deny legitimate workers’ compensation claims. Getting your worker’s compensation claim approved by your employer and insurance company isn’t always easy. A denial can happen at any stage of the process.

Workers’ compensation can be a daunting and challenging set of processes, particularly for someone struggling to recover from a workplace injury or illness. Small mistakes made early in the process may have serious consequences for the result of your case; thus, it is highly recommended that you consult a workers’ compensation lawyer as soon as possible.

Adams Law Group is here to help you with information about what is workers’ comp insurance.  Our legal team will fight tirelessly to ensure that you get the just compensation you deserve.

Set up a confidential consultation with one of our workers’ comp attorneys at Adams Law Group. 

  • What’s the Difference Between a Personal Injury Claim and a Workers’ Compensation Claim?
  • Who Are Eligible for Workers Compensation Benefits in Missouri?
  • What Workers’ Compensation Benefits Am I Entitled To Receive In Missouri?
  • What Should I Do If My Claim Is Denied? 

What’s the Difference Between a Personal Injury Claim and a Workers’ Compensation Claim?

The most significant distinction between a personal injury claim from a workers’ compensation claim is that a personal injury claim is focused on fault, whereas a workers’ compensation case is not.

To obtain damages from someone for a vehicle accident, a slip and fall, or any other form of personal injury claim, the other party must be negligent, which means that the other party did something wrong.

Who Are Eligible for Workers Comp Benefits in Missouri?

In Missouri, the majority of employees are covered by workers’ compensation insurance. There are, however, a few exceptions for workers engaged in some forms of employment. Employees working in the industries listed below are not covered:

  • Farms
  • Non-profit organizations
  • Domestic labor
  • Religious groups
  • Cultural groups

Some transportation and maritime employees, as well as federal employees, are covered by federal workers’ compensation statutes. Because of this, they may not be protected by Missouri workers comp insurance. Additionally, an independent contractor is often not covered by the Missouri worker’s compensation law. Subcontractor employees, on the other hand, could have some protection.

Workers’ comp insurance covers all workplace injuries and illnesses of employees, such as traumatic injuries and occupational illnesses. Traumatic injuries are those sustained by employees in a singular work-related injury, such as a fractured bone after a slip and fall. An occupational disease is an injury or illness that happens to employees over time, such as carpal tunnel syndrome, which occurs when people make a lot of repetitive movements of their hands at work, or illnesses caused by occupational exposure to hazardous chemicals (such as cancer due to asbestos exposure).

Furthermore, all of the following conditions must be met:

  1. You must be employed.
  2. You must have been injured on the job.
  3. Your employer must have workers’ comp insurance.
  4. Your job must be covered by workers’ comp.

What Workers’ Compensation Benefits Am I Entitled To Receive In Missouri?

In Missouri, workers’ compensation will pay medical bills for reasonable and essential medical treatment connected to your work injury, including medical examination, hospital expenses, medications, and prosthetic devices. You will also be paid for mileage incurred while traveling to and from medical visits. You will also be eligible for cash disability benefits on top of medical benefits.

Temporary Disability Benefits In Missouri

Temporary Total Disability Benefits

When someone gets hurt and can’t work for a while, they might get some money to help them out. The amount of money they get is usually 66 2/3% of what they usually make in a week. But there’s a maximum amount of money they can get, which is set by the law. To figure out how much they usually make in a week, they look at how much they get paid before taxes and other deductions are taken out.

Temporary Partial Disability Benefits

If an employee is unable to work due to an injury or disability, they may be eligible to receive Temporary Total Disability (TTD) benefits. The amount of TTD benefits paid is typically calculated as 66 2/3% of the difference between the employee’s average pre-injury earnings and the amount they could earn with reasonable effort during the period of disability. However, there is a maximum TTD rate that applies.

Permanent Disability Benefits in Missouri

Permanent Total Disability Benefits

If someone is permanently and completely unable to work due to an injury, they may receive regular payments for the rest of their life or they can choose to receive a one-time payment. The amount of the regular payment is usually 66 2/3% of what they were making before they got hurt, subject to a maximum amount set by the law. This maximum amount is higher than the maximum amount for people who are partially disabled permanently.

Permanent Partial Disability Benefits

benefits are computed at a rate of 66 2/3% of the employee’s average weekly earnings as of the date of the injury, subject to the maximum benefit amount prescribed by law. However, in cases of permanent partial disability, a lump-sum payment may be provided, determined by the nature and extent of the disability.

Let Adams Law Group Help You!

Although it is not a requirement, most injured workers who have contested cases hire Workers’ Compensation lawyers to represent them in the appeals proceedings. The appeals process requires a thorough understanding of workers’ compensation law and procedural rules, particularly when submitting your case at a compensation hearing. Having a Worker’s Compensation attorney on your side can significantly increase your chances of winning.

Schedule a free consultation now with our experienced St. Peters workers’ comp attorneys to understand what is workers’ comp insurance and to ensure that your legal rights are protected! 

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