Workers’ Compensation Questions and Answers
Do you need any workers’ compensation services in Cape Girardeau, MO? If so, you can get them with us at PC Medical Centers. We can help you if you got injured or ill at work and you need treatment and compensation. There’s a lot we can do to help you, including representing your needs to your employer. Or if you’re an employer, we can provide many services for you too. For more information, please call us or request an appointment online.
While the workplace is designed to be as safe as possible, with specialized training, safety equipment and designated areas, accidents still happen. A work-related injury can occur on the job site, while driving, or while performing required duties. In the majority of cases, these injuries are mild and do not interfere with the worker’s ability to perform their tasks. However, there are still many work-related injuries that can incapacitate an individual, requiring them to take time off work before they can return to their duties. Thankfully, workers’ compensation is designed to provide employees with the money they need to offset the financial burden of not being able to work.
What is workers’ compensation?
Workers’ Compensation is an employer-funded system that ensures workers are taken care of if they are injured while performing a work-related task. More specifically, it is a form of insurance that ensures that workers will be protected monetarily and compensated for lost wages, as well as medical and rehabilitation needs, if they are injured on the job. In return, employers are afforded protection from lawsuits. Moreover, the program is no fault, which means that no blame is assigned in the event of an injury and compensation for lost wages is provided regardless of how the injury occurred.
What makes you eligible for workers’ compensation?
In most cases, there are four basic eligibility requirements in order to receive workers’ compensation benefits:
- You must be an employee
- Workers who are self-employed typically do not qualify
- Your employer must carry workers’ compensation insurance
- If they do not, you will not be able to make a claim through your employer
- You must have a work-related injury/illness
- This may include overuse injuries sustained from repetitive actions at work
- You must meet your state’s deadlines
- This is for reporting the injury that occurred and filing a claim for workers’ compensation
How do you get workers’ compensation?
There is a limited amount of time to submit paperwork in order to receive workers’ compensation benefits if a worker is injured on the job. When an injury occurs, both the worker and the employer must act promptly. Otherwise, the claim could be denied.
When an injury occurs, the employer must:
- Give the employee the appropriate paperwork and guidance
- File the claim with the insurer
- Comply with state law for reporting work injuries
The employee must:
- Notify the employer of the injury (including the date and time it occurred, type of injury that was sustained, and the events that led up to the injury)
- File a formal workers’ comp claim
Since workers’ comp is regulated by the state, the workers’ compensation process can vary depending on where the employee is located.
Where can I get workers’ compensation services near me?
PC Medical Centers offers workers’ compensation services in Cape Girardeau, MO and the surrounding areas. Call us today if you need help filing a claim!
If you have been injured on the job, come to PC Medical Centers to file a workers’ compensation claim. Our kind and compassionate professionals are experienced providers of workers’ compensation and can help determine your eligibility and walk you through the process. Call us today at (573) 383-2216 to book an appointment, or visit our clinic conveniently located at 5 Doctors Park, Cape Girardeau, MO 63703. Our office is open on Monday from 7:30 AM to 3:30 PM, on Tuesday & Thursday from 8 AM to 5 PM, on Wednesday from 8 AM to 6 PM, and on Friday from 8 AM to 12 PM. We serve patients from Cape Girardeau MO, Oak Ridge MO, Scott City MO, Jackson MO, Chaffee MO, Shawnee Township MO, and Whitewater MO. Looking forward to serve you!