Workers Compensation Claims
How Missouri Workers’ Compensation Laws Work
As I explain in the Ultimate Missouri Work Comp Book, Workers’ compensation law differs from other types of personal injury claims. Workers’ compensation laws were developed as a response to the needs of injured miners who had no recourse for financial recovery after a work accident.
Missouri, Illinois, and Arkansas each have a unique set of workers’ compensation laws, each of which provide a path for work injury victims to recover medical costs and lost wages, excluding the option of filing personal injury lawsuits against their employers. There are exceptions to this general rule of “claim exclusivity” however.
Workers’ Compensation laws are generally designed to ensure that employees who are injured or disabled on the job are provided with fair monetary compensation. But sometimes companies and private employers disregard these laws and fail to pay sufficient money to those injured or disabled on the job. From sending employees to “employer-biased doctors” to threatening injured employees with termination, unfair treatment of injured employees is commonplace in workers’ compensation claims. This is the primary reason why it is critical to contact an experienced worker’s compensation lawyer at Schultz & Myers law firm from the start.
Temporary Total Disability (TTD)
The first work comp term we’ll look into is temporary total disability (TTD). If you have been injured on the job, and missed work as a result of the injury, you can seek TTD benefits. A doctor must certify that you are unable to return to work because you are recovering from the injury.
Temporary Partial Disability
Temporary partial disability comes into play if you are injured on the job, and the doctor limits your physical activity. If the injury prevents you from performing certain job requirements, but you can still work at a reduced job level, temporary partial disability will cover the pay difference.
Permanent Disability in Excess of Physical Impairment
Permanent disability in excess of physical impairment (PPD > PPI) is not something that the insurance companies will often tell you about. In certain situations, victims of work-related injuries may be entitled to disability payments above the physical impairment. This would be talked about once the employee approaches the maximum medical improvement.
Total and Permanent Disability (TPD)
If an injury is so severe that a worker is completely disabled for the remainder of his or her life, the employee would be eligible for permanent and total disability benefits.
Get a St. Louis Workers Compensation Attorney On Your Side
We are well-respected workers’ compensation lawyers with law offices in Missouri, Illinois, and Arkansas. Our lawyers have authored books dealing with workers’ compensation claims and have been interviewed by news media on television and in the paper. Simply put, we handle workers’ compensation claims with a level of professionalism and dedication that is unmatched by any other law firm. If you have been injured at work or on a construction site, contact a St. Louis workers’ compensation lawyer at Schultz & Myers for an immediate confidential consultation.