Author Archives: Blog Posts

1- How does workman’s comp work in Missouri?

It is supposed to be a no-fault system but there are carve outs for penalties and items you must prove to be successful. Generally, if you are hurt on the job during the course and scope of your employment then you are supposed to report it in writing within 30 day to your employer, ask for treatment, and the employer is supposed to turn it over to their insurance to provide you with benefits. The main benefits are free medical care with the Employer’s selected approved doctors, TTD which is paid time off work while you are under treatment and can’t work, and in the end a lump sum of money if you can go back to work or lifetime weekly payments if you cannot. There are many other benefits but these are the big ones.

Reporting your injury is not the same as filing a claim for compensation. You must file your “Claim for Compensation” which is the actual lawsuit within two years after the date of injury or death, or the last payment made under Chapter 287 on account of the injury or death, except that if the report of the injury or the death is not filed by the employer as required by 287.380, the claim for compensation may be filed within three years after the date of injury, death, or last payment made under chapter 287 on account of the injury or death. (See 287.430). Chapter 287 is the statute on Missouri workers compensation.

I recommend you check out our guide at: Missouri Workers’ Compensation Benefits | Edelman Law Office

2- How are workers comp settlements calculated in Missouri?

This depends on if you can or cannot go back to work in the open competitive labor market.  If you have only seen the work comp doctor then they probably gave you a very low disability percentage or even zero. Value is calculated in part based on percentage of disability. Do not accept the defense doctor disability percentage. We send our clients to an independent doctor who provides the truth as to your percentage of disability.

If you are injured but can go back to work (Permanent Partial Disability) then this is calculated as a lump sum settlement based on your wage rate (2/3 your AWW capped at 55% of the SAWW) multiplied by the number of weeks of disability (% disability x body part involved). You may also be entitled to other benefits like disfigurement, mileage, ttd, penalty, amputation increase, etc.

If you are unable to work (Permanent Total Disability) then the calculation for settlement value can be very complicated based on your life expectancy, wage rate (2/3 your AWW capped at 105% of the SAWW) etc. However, at trial if the Judge finds you PTD then the Judge may award lifetime payments every week for the rest of your life paid at your PTD wage rate.

If you are PTD or die from an occupation disease due to toxic exposure then you may be entitled to additional benefits.

This is not an exhaustive list. There are many case specific benefits that depend on the injury sustained.

3- How do I file for workers compensation in Missouri?

You must file what is called a “Claim for Compensation” with the Division of Workers Compensation using the Division form. The form has been changed and updated throughout the years so verify you have the most updated form first. As of 5/11/2021 the current form is WC-21-A-AI (06-15) for accidents, injuries, or occupational diseases occurring on or after 1/1/2014. You have the right to file it yourself but usually it is done with the assistance of a lawyer.

The Claim for Compensation is the actual lawsuit. A report of injury is not. Be careful because a report of injury does not defeat the statute of limitations.

YOUR WAGE RATE IS IMPORTANT TO YOUR BENEFITS IN WORKERS COMPENSATION

“…many times the Employer or their Insurer misrepresent or are incorrect about your average weekly wage. Why do they do this, I suspect it is just to save themselves money.“

There are several benefits in workers compensation. Most are tied into the determination of your average weekly wage. The average weekly wage (AWW) is discussed under Missouri law RSMO 287.250. Usually it is based upon the 13 weeks of wages you earn before the date you are injured. You simply add the prior 13 weeks wages and divide by thirteen. Your benefit rate is then determined to be 2/3’s of  the AWW. There are different maximums limits on the rate depending on whether you are getting weekly benefits or a final lump sum for permanency when you return to work.

What is important for you to know is that many times the Employer or their Insurer misrepresent or are incorrect about your wages. Why do they do this, I suspect it is just to save themselves money.  Of course what they do is underestimate the amount you are supposed to get. When you first hire an attorney it is important to give him information to help determine your correct AWW.  Bring your attorney your payroll records. If you are a part-time employee, you may be  entitled to a full time co- worker’s wages that does your same job duties. If you are a minor, you may be entitled to a full time adult co- worker’s wages. There are several ways to bump up the value of your wages to get you more compensation both for weekly stipend to live on while you are healing, for disfigurement, and for permanency compensation rate.  This simple miscalculation by the Employer or their Insurer can cost you thousands, tens of thousands or hundreds of thousands of dollars lost benefits if you let the employer get away with it.  At my firm we address the correct AWW in every case. Just another reason it is important to hire an attorney who is used to addressing this problem. If you have any questions, please call us for a free initial consultation. Ron Edelman

The clock is ticking! You must report your injury in writing within 30 days of your work injury in Missouri to your Employer. You can do this in any form of writing or you can use the Division provided form  at Report Your Occupational Disease or Repetitive Trauma Injury (mo.gov). You do not have to use the Division form or your Employer’s form or a simple email to your supervisor will work.  Be sure to include a demand for treatment.

WHAT WE SEE HAPPENING:

When you are first injured at work, there is always hesitation to tell anyone. Many of my clients have told me they are conflicted in telling their employer right away.

• First they are embarrassed as they feel that they caused their own injury.
• Second, they are hoping that they are not hurt enough to lose work. The employee’s natural inclination is to wait a couple of days or weeks to see if the symptoms from the injury go away.
• Third, employee is afraid of losing their job.

For the following reasons, I am telling you it is important that you immediately report your injury, in writing, to the employer as soon as possible regardless of your fears.

If you are seriously hurt you may lose your job anyway and be unable to work. Reporting your injury and asking for workers compensation benefits is the only way to support yourself or your family, and get medical treatment during the healing period.

If you fail to give written notice within 30 days of your injury, or reasonable becoming aware that you have suffered a work related occupational injury, you may lose your workers compensation case, and jeopardize your  rights to all benefits.  Although notice to the employer has always been a requirement to getting benefits for work injuries, this provision was made tougher  in the law RSMO 287.127.1(2).

Prior to this provision, actual verbal notice was sufficient. Now you run the risk to lose all benefits if you do not report the injury in writing.  Why is actual notice not good enough now? Because unfortunately some employers lie about you telling them about your injury. They lie when they say you do not get benefits because you caused the accident yourself.

Workers Compensation is a no fault system of compensation. Even though you cause your own injury, you get benefits. They lie when they tell you that you have to use your own medical insurance.  Most group medical carriers exclude paying for work related injury treatment.  They lie to you when they say you are to late in reporting it the same day.  You have up to 30 days to report it.  The employer lies to you  when they say you went to your own doctor and therefore they do not have to provide benefits.  The law allows you emergency care to be covered by the employer, at least one time.  You may only suffer not recovering the cost of the initial medical treatment, but do not lose the entire claim.

These are only a few of the lies my client’s have told me over my 40 plus years of being an attorney.   As soon as an employer starts telling you these lies, you know you immediately need to hire an attorney to represent you.  To avoid jeopardizing your workers compensation benefits ,  this you need to swallow the bullet and be brave enough to report the injury in writing right away. If the employer will not let you do this report of injury, email it, fax it, or mail a certified letter of notice to the Employer and keep a copy.  Even if they send you to authorized medical care right away, do the written report of injury.  If the employer will still not allow you to make the report of injury, you can also call the Missouri  Fraud and Non Compliance unit and report the employer for failing to let you make a report of injury in Missouri. That phone number for the unit is: 800-592-6003. 

The first thing my office does when an injured employee calls us and is within the first 30 days from the date of injury and accident, we advise them to make the report of injury. If they are unable to, we do it for them.

If you have any questions, please call us for a free consultation. Ron Edelman

On 10/24/2018, Marshall Edelman, Attorney, argued in front of the Missouri Supreme Court regarding novel issues in Missouri Workers’ Compensation. He appeared with his father, Ronald D. Edelman, Attorney. This is the first challenge to the interpretation and constitutionality of the 2014 amendment to the Missouri work comp system involving enhanced permanent partial disabilities against the Second Injury Fund.

Our office is challenging the law because it is the right thing to do and, if successful, will benefit all Missourians. The Fund has taken the position that injured workers are not entitled to enhanced permanent partial disability benefits from the Fund for primary injuries after 1/1/2014. We disagree. This sends a signal to employers that they have more incentive to discriminate against those persons with preexisting disabilities who can actually work than those that can’t. This is not a rational basis.

The decision in this case, Cosby v. Treasurer of Missouri, SC97317, will affect nearly every employer and employee in Missouri. This case was recently featured in the news. Click here to read the article. Marshall is honored to be featured in Mizzou Law School’s newsletter regarding this. Click here to read Mizzou Law’s newsletter.

This case was also featured twice in the Missouri Lawyers Weekly . Click here for the first article titled, “Injury Fund fix headed to Supreme Court” and click here for the second article titled “Supreme Court asked to untangle Injury Fund fix.” (Subscription newspaper may require login)

The Law Firm of Ronald D. Edelman, Attorney along with associates Marshall Edelman and Steven Edelman are handling the case in Missouri which is challenging the constitutionality and interpretation of enhanced permanent partial disability benefits against the Missouri Second Injury Fund. To our knowledge it is the first and only case to do so.  We are therefore informing both claimants and practitioners as to the following.

On 1/1/2014, Missouri work comp law section 287.220 was changed. The interpretation and constitutionality of the change is now in dispute. This section of the work comp law has provided benefits since the 1940s from the Second Injury Fund. The Fund is managed by the Missouri State Treasurer.

The Fund was created to pay for injured workers additional benefits for the combinational effects of certain pre-existing injuries and a new work injury.  It does not matter whether the pre-existing injury was work related.

The reason why the Fund was created has been clear for nearly three quarters of a century. The courts announced the Fund was created by the Legislature to encourage employers to hire handicapped persons. Federal Mut. Ins. Co. v. Carpenter, 371 S.W.2d 955 (Mo 1963). The focus of the Fund is to compensate for the potential that a “previous injury” would give rise to prospective employer’s incentive to discriminate. Wuebbeling v. West County Drywall, 898 S.W.2d 615,, 620 (Mo. App. E.D. 1995)

The Fund has taken the position that the change of Missouri Work Comp law section 287.220.2(3) eliminated permanent partial disability claims against the Fund after 1/1/2014.

On 8/16/2017, the Labor and Industrial Relations Commission for the Missouri Department of Labor that hears appeals of Workers’ Compensation matters issued an award in Douglas Cosby v. Drake Carpentry Inc. (LIRC 14-003644) denying compensation for a claim against the Fund for permanent partial disability involving a primary injury that occurred after 1/1/2014.

The Commission stated in Cosby that rather than extinguishing any rights or removing any existing remedy, the legislature shifted back to the employer and their insurers any liability that would have otherwise rested with the Second Injury Fund

The Commission stated, “In our view, the 2013 amendments to 287.220 work the effect that employer and their insurers are now liable for any enhanced permanent partial disability that results from the synergistic combination of pre-existing disabilities and primary injuries occurring after January 1, 2014, as the legislature has clearly removed from employers the prior protections of the Second Injury Fund for these kind of synergistic injuries.

The Commission cited the case of Fed. Mut. Ins. Co. v. Carpenter, 371 S.W.2d 955, 957 (Mo. 1963) that states, “”in the absence of an apportionment statute or second injury fund legislation, the employer is liable for the entire disability resulting from a compensable injury.”

Based on the Cosby Commission decision, the EMPLOYER is now responsible for enhanced combinational PPD benefits.

It can also be interpreted that any PTD combinational benefits that used to rest with the Fund but no longer do because of the more rigorous guidelines are now the responsibility of the Employer.

This case is currently on appeal by our office. The Commission decision can be found on their website here.

Image by the US National Weather Service

Happy Eclipse day! Here are some helpful links. Subtract 5 from the UT time to get central time zone. Totality is at 1:18pm at our office.

Please be safe on the roads and at work. We hope no one gets hurt during this event but if you are injured on or off the job during the eclipse you may have a claim. Insurance blogs have already posted about the workers’ compensation health and safety risks of the eclipse on employees.

Click here for NASA safety tips. To get a more exact prediction of when you will see the solar eclipse you should check out the Interactive Time Map to search your address or click here for the NASA website to search by zip code.  Be sure to view the up to date Eclipse Cloud Cover Weather Map .