Suffering an injury on the job is always a difficult and stressful experience. If you are injured at work in Columbia, you may be wondering how to go about filing a workers’ compensation claim. In Missouri, workers’ compensation is a no-fault system that provides benefits to employees who are injured on the job, which means that you do not have to prove that your employer was at fault for your injury to receive benefits. However, the process of filing a workers’ compensation claim can be complex, and it is important to understand the requirements to ensure that your claim is not denied. To learn more about tips for filing a workers’ compensation claims in Columbia, contact us today.
In Columbia, MO, you have 30 days from the date of your injury to notify your employer in writing, or you may lose your right to workers’ compensation benefits. The reason this is important is that your employer is required to file a First Report of Injury within 30 days of knowledge of the injury to the Division of Workers’ Compensation. If you delay in notifying your employer, the insurance company may deny your claim. The notification to the employer should be in writing and include the date, time, and place of injury. It should also describe the nature of the injury and the name and address of the individual who was injured.
It is important to seek medical treatment as soon as possible after sustaining an injury on the job. According to Missouri law, employers in Columbia have the right to designate a workers’ compensation authorized physician. You have the right to choose your own treating physician, but you’ll be responsible for the cost. Sometimes this may be advisable if you’re unsatisfied with the diagnosis of the selected provider and would like a second opinion.
You have two years from the date of your injury to file a workers’ compensation claim with the Missouri Division of Workers’ Compensation. If you fail to file your claim within this timeframe, you may lose your right to workers’ compensation benefits. You can file a claim online, by mail, or in person at a workers’ compensation office. Insurance companies in Columbia will likely try to find ways to minimize the financial benefits you receive, and if an insurance adjuster feels that they don’t have complete or accurate information, they may deny your claim outright. To avoid having your claim denied, make sure you provide as much detailed information as possible when you file your claim. Include everything from the date and time of your injury to the names and contact information of witnesses. The more information you can provide, the better chance you have of having your claim approved. The process can be complex, and it is important to ensure that your claim is filed correctly to avoid any delays or denials.
Keep a workers’ compensation journal in which you document everything related to your workers’ compensation case, from the date of your injury to all medical appointments and conversations with your employer or insurance company. This will be an important resource if there are any disputes about your claim. It is also a good idea to make copies of all documents related to your workers’ compensation case, including medical records and bills, and keep them in a separate file. This will help you keep track of everything and make it easier to find information if you need it.
While you are not required to hire a workers’ compensation lawyer, it is often a good idea to do so. There are many potential risks associated with representing yourself in a workers’ compensation case. One of the biggest risks is that you may not be familiar with all the applicable laws and regulations, which could lead to your claim being denied. Additionally, insurance companies will likely have their own lawyers representing them, and you will be at a disadvantage if you do not have legal representation of your own. Having an experienced workers’ compensation lawyer in Columbia on your side can be very beneficial in making sure that your claim is filed correctly, and all required information is included. They will help you navigate the workers’ compensation system and represent you in any appeals or hearings.
If you have been injured on the job, it is important to speak with an experienced workers’ compensation lawyer to discuss your legal rights and options. The workers’ compensation system can be complicated, and many deadlines and requirements must be met for your claim to be successful. At the Law Office of Chris Miller, we have years of experience representing injured workers and can help you learn tips for filing workers’ compensation claims in Columbia. Contact us today to schedule a free consultation.