FAQs About Workers' Compensation

Often referred to as "Workman’s Comp," Workers’ Compensation is a method that allows employers to pay, or provide insurance which pays, the lost wages and medical expenses of an employee who becomes injured while on the job. Workers’ compensation is a complicated system and questions arise frequently. We would like to address a few questions employees and/or employers may have here. For further inquiries reach out to the Law Offices of Phillips,McElyea, Carpenter & Welch, PC. As a general practice law firm at the Lake of the Ozarks, we help clients through a wide range of issues and would be happy to consult on the subject of workers’ compensation.

1. How do injured workers report an injury if they are hurt on the job?
Report your injury immediately to your employer and notify them in writing. Include the date, time and place of the injury, nature of the injury, and your name and address. MO.gov provides an online form if your employer does not provide you with one. You can find it here: http://labor.mo.gov/sites/default/files/pubs_forms/WC-280-AI.pdf

2. Who is required to carry workers' compensation insurance?
Workers' compensation coverage is required for all employers that have five or more employees. However, if your business is in the construction industry, coverage must be provided if there are one or more employees.

3. As an employer, how do I obtain the necessary coverage?
You can purchase workers’ compensation insurance from any private insurance provider.

4. What does workers’ compensation not apply to?
Workers' compensation insurance does not apply to the following conditions: 
  • Employment of farm labor
  • Domestic servants in a private home
  • Qualified real estate agents and direct sellers (see MO.gov for more info)
  • Volunteers of a tax-exempt organization who are not paid wages
  • Certain inmates, patients or residents of the state, county or municipality
  • Persons providing services as adjudicators, sports officials, or contest workers for interscholastic activities programs or similar amateur youth programs

5. What benefits do injured workers receive from a workers' compensation policy?
Besides medical treatment, employees may receive temporary total disability payments of up to two-thirds of his or her average weekly wage after missing three days of work.

6. If I file a claim for workers’ compensation can I choose my own doctor?
The Worker’s Compensation Law gives the employer the right to select the health care providers for the injured worker. The employer usually gives this authority to the insurance company.

7. What costs are incurred for the employer/employee when medical treatment is needed?
The employer or insurer is required to provide the medical treatment and care to cure and relieve the employee. There is no deductible and all costs are paid by the employer or its workers’ compensation insurance.

Workers’ compensation is an asset to employees and typically a requirement for employers. The information surrounding the topic is vast, and to help, The Law Offices of Phillips, McElyea, Carpenter & Welch, PC at theLake of the Ozarks is here to answer questions and assure your business is covered under the law. If you are an employee who has been injured on the job, please contact our effective and trusted attorneys at the Lake of the Ozarks to make certain your rights are protected. 

Law Offices of Phillips, McElyea, Carpenter, & Welch, P.C.
The choice of a lawyer is an important decision and should not be based solely on advertising. When you need a knowledgeable attorney, we invite you to contact us to set up a consultation. Evening and weekend appointments are available. We have access to interpreters.

We accept Visa, MasterCard, and Discover.

85 Court Circle N.W., P.O. Box 559
Camdenton, MO 65020   GET A MAP
(573) 346-7231 - Telephone
(888) 236-2485 - Toll Free
(573) 346-4411 - Fax


Like Us on Facebook
Location: Camdenton, MO 65020, USA

Comments

Post a Comment

Popular posts from this blog

5 Reasons To Hire A Criminal Defense Attorney

Image
Criminal charges can turn your life upside down. If you are found guilty, you can suffer numerous consequences, including fines, imprisonment, and effect on your permanent record. If you are facing criminal charges, hiring an experienced criminal defense attorney can make a world of difference. Consider these reason why you should hire a criminal defense lawyer to represent your case. 1. Your Attorney Understands The Law It's no secret that the legal field is complex. Every law has exceptions, and every circumstance has different specific requirements. You need a criminal defense attorney that has experience dealing with these minute details and can help you use them to build a solid case. 2. Your Attorney Knows The Scene The Missouri Courts are like a world of their own. Each court has its own set of rules, social norms, and strict guidelines governing what behavior is and is not acceptable. If this is your first court case, you can not possibly know all of these unspo...
Read more

Legal Tips to Be Aware of When Entering Into a Marriage

Image
Congratulations! It is 2019 and this is the year you are getting married. Among all of the wedding planning, you probably haven't had time to think about the legal side of getting married. While it is not the most glamorous side, it is worth taking a look into. For example, has your fiance brought up the notion of signing a prenuptial agreement (prenup)? It is best to know what all comes with a prenuptial agreement and the advantages and disadvantages of choosing to sign one. Our attorneys at the Lake of the Ozarks are here to give you a few legal tips to be aware of when entering into a marriage. If you find yourself need a prenuptial agreement drawn up, call Phillips, McElyea, Carpenter, and Welch   today for your free consultation at 573-346-7231. Legal Tips to Be Aware of When Entering Into a Marriage Do You Plan to Legally Change Your Name After You Get Married? If you plan to change your legal name after marriage, here is what you need to do. According to the Misso...
Read more

Global Entrepreneurship Week: 5 Tips For Aspiring Entrepreneurs

Image
We live in a business-oriented society. From buying groceries to traveling internationally, we rely heavily on local, national, and international businesses for many a spect s of our lives. We have become so accustomed to using these businesses in our day-to-day lives that we now take many of them for granted. No matter how big a corporation is, it's important to realize that every business started out small at some point in time. Every business - even those with thousands of employees - originally began simply as an idea in the mind of one forward-thinking individual. Global Entrepreneurship Week USA We owe entrepreneurs a great debt of gratitude for the roles they have played in shaping our society, our culture, and our nation. Next week (November 14-20, 2016) is designated as Global Entrepreneurship Week USA in recognition of the importance of these forward-thinking individuals. In honor of this important week-long observance, our business attorneys in Camdenton MO ...
Read more