If you are hurt on the job, you may be entitled to workers’ compensation benefits. It’s a type of insurance your employer takes out to cover employee injuries. Unfortunately, there are many myths surrounding this insurance. This misinformation can cause people to miss out on money they are entitled to.
Misconceptions About Workers’ Compensation
1. Workers' Compensation Is a Discretionary Benefit
A discretionary benefit is one that your employer is not legally required to provide, like tuition reimbursement. Workers’ compensation is obligatory, however.
In Missouri, any employer with at least five employees must provide coverage for their employees. For the construction industry, the employer needs to have only one employee for coverage to be mandatory.
2. You Must Be Performing Your Job to Qualify
Workers' compensation covers not only injuries incurred as part of your job duties but also in relation to your job. You don't even have to be on the job site.
Say you work in sales, for example, and you get into a car accident on the way to a client meeting. Since you were traveling to a work meeting, this should be covered by workers' compensation.
3. Your Employer Will Help You Claim Your Benefits
Employers are rarely useful in claiming or maximizing workman's compensation claims. If they file too many claims in a set timeframe, their premiums may go up. You will have to proactively file a claim and prove your case to the insurer. The employer's role will be limited, as they have no personal stake in maximizing the claim.
4. You Can Get Fired for Filing for Workers' Compensation
It’s illegal for your employer to fire you because you filed a workers' compensation claim. You are protected under anti-discrimination laws. The Equal Employment Opportunity Commission bars employers from discriminating against employees on the basis of physical or mental disability. An attorney can help you file your workers’ compensation claim and also take action if you are subsequently discriminated against.
For assistance with a workers' compensation claim in the St. Louis, MO, area, trust Coyne, Cundiff & Hillemann, P.C. These attorneys are dedicated to helping personal injury victims get the compensation they need. They have over 75 years of combined experience. Find out more about their workman's comp representation in St. Charles County online. For a meeting, call (636) 561-5599.