After getting hurt on the job, pursuing workers’ compensation should be simple. Unfortunately, many injured workers in St. Louis make mistakes that cost them the benefits they deserve.
Understanding some common errors and how to avoid them can make it easier to get the financial relief you need and focus on what matters most: your recovery.
Missing crucial deadlines
One of the biggest mistakes people make is missing important deadlines. In Missouri, you must report your injury to your employer within 30 days. You must also notify the Division of Workers’ Compensation within two years of the injury (though there are exceptions).
Many workers miss these deadlines due to a lack of awareness or fear of consequences. Not reporting on time can result in denied claims.
What to do instead: Mark the date of your accident and ensure you report it to your employer immediately. Keep a record of this report, ideally in writing, to avoid misunderstandings.
Not keeping good medical records
Another common error is not keeping thorough records of your medical conditions. This might happen because workers are overwhelmed or unsure of what’s necessary. Without proper documentation, proving your injury and its impact becomes difficult.
What to do instead: After seeking medical attention, keep detailed records of all doctor visits, treatments and prescribed medications. Make copies of medical reports and bills, keep a journal of your symptoms and take photos of injuries as they heal.
This documentation can support your claim and demonstrate the seriousness of your injury.
Accident inconsistencies
Sometimes, people unintentionally provide inconsistent details about a workplace accident. This might happen because they’re nervous, confused or simply forget specific details. Insurance companies will jump on these inconsistencies to challenge the validity of your claim.
What to do instead: Be consistent when describing the accident to your employer, doctor and the insurance company. Stick to the facts and avoid exaggerating or speculating. If you are not sure of a detail, it is best to say you are unsure rather than guessing. The more information you have and share in your initial claims and following communications, the easier it will be to file the claims successfully and quickly.
The workers’ compensation system can feel confusing, especially because most people have never had to navigate it before. It’s easy to make mistakes that could hurt your claim. However, knowing the common pitfalls and seeking legal guidance can help you get the benefits you need to recover.