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MISSOURI-HANDBOOK.doc - BROWN BROWN Attorneys at Law...

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B ROWN & B ROWN Attorneys at Law MISSOURI WORKERS’ COMPENSATION HANDBOOK COMPLIMENTS OF: DAN BROWN DAVID JEROME BROWN & BROWN, LLP One South Memorial Drive, 11 th Floor St. Louis, MO 63102 314-231-4878 1-888-660-HURT
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INTRODUCTION This Handbook will help serve as a basic overview to help identify the rights and obligations of employees who have experienced work-related injuries or occupational diseases. It will provide some answers to questions that you may have if you are injured at work through either a sudden accident; repetitive motion injury; or if you have contracted an occupational disease. Please note that this Handbook is not intended to explain all of the benefits or conditions pertaining to specific cases. The compensability and benefits of each case are determined by applying the law to the facts of each case. As a result, this Handbook should not be considered a substitute for seeking advice from an attorney or the Division of Workers’ Compensation when you are confronted with a possible workers’ compensation case. If you have sustained an injury that you feel is compensable under the Law, it is important that you seek competent legal advice from an attorney who practices extensively representing injured workers in Missouri. For more information from the State of Missouri, you can visit the web site for the Missouri Division of Workers’ Compensation at www.dolir.mo.gov/wc. For more information about the law office of Brown and Brown, LLP, you can visit our website at www.brownlawoffice.com. WHAT IS WORKERS’ COMPENSATION? Workers’ Compensation is a system of benefits that is provided by law to cover most employees who were injured due to job-related accidents or diseases. Almost every employee who is hired, injured or whose employment is localized in Missouri is covered under the Workers’ Compensation laws. If you sustain a work injury, you may be entitled to medical treatment, lost time benefits, and possibly a permanent disability payment. These benefits are to be paid directly by the employer or their workers’ compensation insurance carrier. 2
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WHEN DO I NEED AN ATTORNEY? If you have sustained a work injury, the first question that is usually raised is, “Do I need an attorney?” While the Workers’ Compensation system was originally set up for all employees to obtain benefits without needing an attorney, the current financial and legal trends often require the assistance of legal counsel. As a result, if your case falls into one of the categories below, you may need to seek advice from a competent attorney: 1) You are not comfortable with dealing with the workers’ compensation insurance adjuster or their attorneys and would prefer to have legal counsel advising you on your rights at the outset.
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