Thursday, February 19, 2015

Insider Guide to Workers' Compensation

Despite everyone's best intentions, work-related injuries can (and do) happen. When these injuries occur, the injured employees are entitled to financial compensation for medical expenses and lost wages. The insurance that provides this compensation is commonly known as "workers' compensation" or "workman's comp." 

Workers' compensation is very important to business owners and employees alike. As your trusted business attorney at the Lake of the Ozarks, Deirdre O'Donnell with O'Donnell Law Center in Osage Beach is here to help you make sense of this type of insurance.


Workman's Comp: An Overview

Workman's comp is essentially a form of insurance that employers purchase in order to cover their employees in the event of a work-related injury. Workers' compensation compensates injured employees by paying for the costs related to their injury. The benefits typically covered include:
  • Medical Expenses
  • Physical Therapy
  • Retraining
  • Compensation for Permanent Injuries
  • Disability Payments (generally about two-thirds of the usual salary)
  • Benefits to Survivors of Workers Killed on the Job
Exact benefits of workers' compensation vary based on the type of injury, the severity of the injury, and the situation in which the injury occurred. Because of these variables, workers' compensation can seem very complex. If you have questions about workman's comp, it's a good idea to consult an experienced business attorney.


Workman's Comp: FAQ

Specific answers to your questions will depend on your unique situation, but here is the basic response to a few frequently asked questions about workers' compensation.

Can I be fired or punished for filing for workers' compensation?
In short, no. Once employers have a certain number of employees, they are required to provide workers' compensation to employees who are injured on the job. In Missouri, that number of employees depends upon the type of industry your business is in.

Is everyone guaranteed worker's comp benefits?
No. Most employees qualify for the benefits, but Missouri law excludes some individuals. Examples of these exclusions include seasonal employees, domestic employees, and volunteers.

Can I sue my employer for a work-related injury?
There are always exceptions, but generally, no, you may not sue an employer who's work place is covered by workers' compensation insurance. Having said that, you should always consult an experiences worker's comp attorney to see if any of the exceptions apply to your situation.

Questions? Contact O'Donnell Law Center

If you have further questions about worker's comp, either as an employer or an employee, don't hesitate to reach out to your friends at O'Donnell Law Center. We will be happy to answer your questions!

We are open and ready to assist you. Call the most trusted law firm at the Lake of the Ozarks to get started today.

O'Donnell Law Center
We Carry Your Burden ~ You Carry On With Life.

Disclaimer: No attorney-client relationship is created by the publication of this blog.

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Phone: (573) 552-0317

O'Donnell Law Center, LLC
1026 Palisades Blvd. Suite 3
Osage Beach, MO  65065
(Located on the McDonald's Side of the Building)

1 comment:

  1. Great article ...Thanks for your great information, the contents are quiet interesting. I will be waiting for your next post.
    Phoenix Workers Compensation

    ReplyDelete