Workers Compensation Attorneys in Moberly, MO

Missouri’s Workers’ Compensation Insurance Requirements

Missouri law requires most businesses to carry workers’ compensation insurance. The specific requirements include:

• General Employers: Any business with five or more employees must provide workers’ compensation coverage.
• Construction Companies: Any construction-related business with one or more employees must carry workers’ compensation insurance.

Employers who fail to maintain the required insurance may face legal penalties and leave injured workers without coverage. If you’re unsure about your employer’s insurance status, a Moberly, MO workers’ compensation lawyer can investigate your rights.

How to File a Workers’ Compensation Claim in Missouri

Filing your claim correctly and within the legal deadlines is essential to securing benefits. Follow these steps to improve your chances of a successful claim:

1. Report the Injury Promptly – Missouri law requires that you notify your employer of your injury within 30 days.
2. Seek Medical Care – Get treatment from an employer-approved healthcare provider.
3. Keep Records – Document your injury, medical appointments, and communications with your employer or their insurer.
4. File the Claim – Your employer should provide the required forms. Ensure they are completed accurately and submitted on time.
5. Consult a Lawyer – A Moberly, MO work accident attorney can protect your rights and guide you through the legal process.

Temporary Total Disability (TTD) vs. Permanent Total Disability (PTD)

If your injury affects your ability to work, you may qualify for disability benefits. The two primary types of disability compensation are:

• Temporary Total Disability (TTD): If your injury prevents you from working temporarily, TTD benefits will compensate you until you recover or reach maximum medical improvement.
• Permanent Total Disability (PTD): If you can never return to work, PTD benefits provide lifelong financial support.

A Moberly, MO work injury attorney will ensure that you receive the appropriate classification and compensation.

Missouri Workers’ Compensation Benefits

Injured workers in Missouri may be entitled to a variety of benefits, including:

• Medical Benefits: Covers the cost of treatment, surgeries, rehabilitation, and medication.
• Wage Replacement Benefits: Partial compensation for lost wages while recovering.
• Disability Benefits: Financial support for temporary or permanent disabilities.
• Vocational Rehabilitation: Assistance with job training if you cannot return to your previous line of work.
• Death Benefits: Financial aid for dependents in cases of fatal workplace accidents.

For help determining which benefits apply to your situation, contact a Moberly, MO workers comp lawyer today.

Common Workplace Injuries Covered by Workers’ Compensation

Employees in all industries are vulnerable to workplace injuries. Some of the most frequently reported include:

• Slip and Falls: Can cause fractures, sprains, or concussions.
• Repetitive Stress Injuries: Conditions like carpal tunnel syndrome from repeated motion.
• Machinery Accidents: Severe injuries resulting from equipment malfunctions.
• Exposure to Harmful Substances: Long-term exposure to hazardous chemicals can lead to serious illnesses.
• Work-Related Auto Accidents: Employees injured while driving for work may qualify for benefits.

If you’ve suffered any of these injuries, speak with a Moberly, MO work accident lawyer to understand your legal options.

Does Negligence Impact a Workers’ Compensation Claim?

Missouri’s workers’ compensation system is no-fault, meaning you don’t need to prove negligence to receive benefits. However, some situations can affect a claim:

• Employer Misconduct: If an employer intentionally placed workers in danger, additional legal action may be available.
• Third-Party Liability: If another party (such as a subcontractor or equipment manufacturer) contributed to the injury, you may be able to file a separate personal injury lawsuit.

A Moberly, MO work injury lawyer can assess your case and determine if other claims can be pursued in addition to your workers’ compensation claim.

How Much Does a Workers’ Compensation Lawyer Cost?

At Harper, Evans, Hilbrenner & Netemeyer, we work on a contingency fee basis, meaning:

• No Upfront Costs: You only pay if we recover compensation for you.
• Free Initial Consultation: We will evaluate your case at no cost.

This ensures that financial concerns do not prevent you from obtaining the legal help you need.

Representing Injured Workers in Moberly and Surrounding Areas

Our firm proudly serves injured workers throughout Moberly, MO, including Huntsville, Higbee, Centralia, Macon, and nearby areas. Whether you work in manufacturing, construction, healthcare, retail, or another industry, we are here to ensure you receive the compensation you deserve.

If you’ve suffered a work-related injury, don’t face the claims process alone. Contact the trusted Moberly, MO workers’ compensation lawyers at Harper, Evans, Hilbrenner & Netemeyer today for a free consultation. Let us help you secure the benefits you need to recover and move forward.