If you’ve been injured at work or developed a work-related illness, or someone you love has died from an occupational accident or disease, know that Missouri Employee Compensation Act requires employers to provide compensation to their injured workers at work or get sick due to the work environment or demands. If this has happened to you, you may be entitled to four different types of benefits.
Medical care is what it sounds like. It covers the cost of your medical bills. This contains:
- Doctor visits.
- Hospital treatments.
- Diagnostic test.
- If necessary, in home nursing.
- Physical therapy.
- Any long-lasting medical equipment you might need, like crutches, a wheelchair, or home oxygen.
Depending on your employer’s specific compensation policy, some types of care may not be covered or restricted. For example, chiropractic may not be covered or may only be covered for a limited number of visits.
Your employer can provide benefits under a managed care plan. That means you need to get your medical care through the HMO specified by your employer or another provider network. Some insurers require prior authorization for certain procedures.
The disability pension is intended to compensate you for the wages that you have lost due to your injury. There are four categories of disabilities:
Temporary total disability.
You are completely unable to work, but your condition is expected to be temporary and you will be able to return to work. An example is someone who has had back surgery and cannot work at all while healing, but is able to work again.
Temporary partial disability.
You are injured but you can work part-time. For example, you have broken an arm or leg, but you can work part-time while the injury heals.
Permanent total disability.
You were injured terminally and can no longer fulfill your professional obligations at the time of the injury. Examples include the loss of a limb, a brain injury that affects your cognitive ability, or an injury that leads to paralysis.
Permanent partial disability.
Your injury is permanent, such as loss of hearing or vision, and although you may not be able to earn as much as you did before the injury, you can work in a different profession than the one you were in at the time.
The disability pension you will receive depends on your specific injury, what you were doing at the time of the injury, and other factors specific to your personal situation.
This benefit is required under Missouri law. It may also include payment for transportation to a rehabilitation facility.
Missouri law does not require employers to provide vocational rehabilitation as compensation for employees. Some employers take the opportunity to include this coverage in their employee compensation insurance. Check with your employer to see if the benefit is available. If so, if you cannot go back to your job but can work in a job, she will pay for retraining.
If you are the spouse, minor child, or other dependent employee of an employee who died due to work-related injury or illness, you are entitled to death benefit through employee compensation. This benefit also covers funeral expenses.
If you have any questions or want to discuss your employee compensation benefits, don’t think twice about hiring an experienced personal injury attorney who knows the specifics of this type of case.