5 Workers’ Comp Myths That Could Cost You Your Benefits

Myth #1: If Your Injury Was Minor, You Don’t Need to Report It

Reality: Failing to report your injury can cost you your benefits.

Even if your injury seems minor, report it to your employer immediately. Many injuries, such as back strains, concussions, or repetitive stress injuries, may seem mild at first but worsen over time.

Missouri law requires that you report a workplace injury within 30 days—or you could lose your right to benefits. Insurance companies often deny claims when there’s a delay in reporting, arguing that the injury didn’t happen at work. Missouri Workers’ Compensation Law – RSMo § 287.420

🚨 Protect your rights: Always report your injury, even if it seems minor.

Myth #2: You Can See Your Doctor for Treatment

Reality: Your employer (or their insurance company) chooses your doctor.

Under Missouri workers’ compensation law, your employer can select your treating physician. If you see a doctor outside the approved network, you may have to pay out-of-pocket for treatment.

However, if you believe the employer-chosen doctor is not providing proper care, you have the right to request a second opinion—but you should speak with an attorney first to ensure your claim remains valid. Missouri Workers’ Compensation Law – RSMo § 287.140

🚨 Tip: Never skip medical appointments, and always follow your doctor’s treatment plan to avoid losing benefits.

Myth #4: Your Employer Will File Your Claim for You

Reality: Your employer must report the injury, but you should follow up and ensure the claim is filed.

Many injured workers assume that everything will be taken care of once they notify their employer. However, some employers fail to report claims—especially if they fear increased insurance costs.

🚨 What to do:

• Report the injury in writing to your employer.
• Ask for a copy of the incident report.
• Follow up with Missouri’s Division of Workers’ Compensation to confirm the claim was filed.

If your employer refuses to report the injury, immediately contact a workers’ comp lawyer to protect your claim. Missouri Workers’ Compensation Law – RSMo § 287.380

Myth #5: If You Return to Work, You Lose All Your Benefits

Reality: You may still receive partial benefits if you return to work with restrictions.

Many injured workers rush back to work out of fear of losing income. Others hesitate to return because they believe they will lose all workers’ comp benefits. Missouri law provides partial benefits if you return to work with reduced hours or light-duty restrictions. Missouri Workers’ Compensation Law – RSMo § 287.180

You may qualify for:

• Temporary Partial Disability (TPD): If you return to work but earn less than before, TPD benefits help cover the difference.
• Permanent Partial Disability (PPD): If your injury leaves lasting impairment but can still work, you may be eligible for long-term compensation.

🚨 Tip: If your employer forces you to return before you’re medically ready, contact an attorney to protect your rights.

Don’t Let These Myths Cost You Your Benefits!

Misinformation about workers’ compensation can cost you thousands of dollars in lost benefits. The best way to protect your claim to know your rights and speak with an experienced Missouri workers’ comp lawyer.