What to Know About Missouri’s Personal Injury Laws for Injuries at Work

Missouri's personal injury laws are designed to protect workers who suffer injuries while on the job. Understanding these laws is crucial for employees navigating the complexities of workplace injuries. This article delves into what you need to know about personal injury laws in Missouri specifically related to work-related injuries.

Workers' Compensation in Missouri
In Missouri, most employers are required to carry workers' compensation insurance. This system provides benefits to employees who are injured or become ill due to their job. Workers' compensation is a no-fault system, meaning you do not need to prove that your employer was negligent to receive benefits. Instead, you simply need to show that your injury is work-related.

Types of Benefits Available
Workers' compensation in Missouri can provide several types of benefits, including:

Medical Expenses: Coverage for medical treatment related to the injury.
Temporary Disability Benefits: Compensation for lost wages during recovery.
Permanent Disability Benefits: Compensation if you have lasting effects after the injury.
Vocational Rehabilitation: Assistance in retraining or finding new work if you cannot return to your previous job.

Filing a Claim
To file a workers' compensation claim in Missouri, it’s essential to adhere to specific procedures:

Report the injury to your employer immediately or as soon as possible.
Complete a work injury report as required by the employer.
File a claim with the Missouri Division of Workers' Compensation within 2 years from the date of the injury.

If you fail to report your injury promptly or miss the filing deadline, you could lose your right to benefits.

Third-Party Claims
While workers’ compensation provides benefits regardless of fault, you may also have the option to file a third-party claim if your injury was caused by someone other than your employer or a co-worker. For example, if a defective product caused your injury, you could sue the manufacturer. These claims can often result in greater compensation, as they can include pain and suffering that workers' compensation does not cover.

Statute of Limitations
Be mindful of the statute of limitations for personal injury claims in Missouri. For most work-related injuries, the claim must be filed within two years from the date of the injury. However, certain exceptions may apply, so it's essential to consult with an attorney to understand your specific case.

Consulting a Personal Injury Attorney
If you have been injured at work, consulting a personal injury attorney with experience in Missouri's workers' compensation laws is advisable. An attorney can help ensure you navigate the complexities of your case and maximize your benefits. They can also assist with third-party claims if applicable.

Conclusion
Understanding Missouri's personal injury laws as they relate to workplace injuries can help you secure the compensation you deserve. Ensure you report your injury promptly, understand the benefits available to you, and consider seeking legal assistance to protect your rights and interests.