WHAT ARE WORKERS’ COMPENSATION MEDICAL BENEFITS?
Under Chapter 287 of Missouri’s Revised Statutes, the benefits due to an injured worker are spelled out. One such benefit are Medical treatment. If you were injured on the job, medical costs are the responsibility of your employer and/or the employer’s insurance carrier. Whether you suffered a broken bone, slip & fall, back injury, or any other sort of work-related injury, your medical treatment and costs are covered under your employer’s workers compensation insurance plan. As such, you should never have to make a co-payment or pay any other fee for medical care associated with your workplace injury. If you are forced to make any such payment, contact a St. Louis Workers Compensation Attorney as soon as possible.
If you were hurt or became ill on the job, you are entitled to receive medical treatment at no cost to you. Some of the medical benefits you may receive, depending on your medical need, include:
- Doctor and hospital visits
- Surgical expenses
- Prescription drugs
- Medical devices such as wheelchairs, braces, crutches
In addition to these medical benefits, several levels of disability benefit may apply:
- Temporary total disability (TTD) applies when your doctor states you are unable to work.
- Permanent partial disability (PPD) applies when you are unable to return to work at your current job. In this case you will be offered a lump sum settlement payment.
- Permanent total disability (PTD) benefits apply when your injuries prevent you from work of any kind. In this case you will be offered a lump sum settlement payment.
WILL I RECEIVE WAGE LOSS BENEFITS?
Any serious injury or illness that prevents someone from working for a significant amount of time can spell disaster financially. Workers’ compensation offers a wage loss benefit to minimize the adverse impact to workers’ finances. Under Missouri law, in most cases, injured workers are entitled to 66 2/3% of their average weekly wages until they are able to return to any form of work and are still receiving treatment for your work-related injuries.
In order to make sure you receive all of the benefits you are entitled to under the law, be sure to contact a St. Louis Workers Compensation Lawyer at 314-775-3864 as soon as possible after being injured on the job.