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5 Workers’ Comp Myths That Could Cost You Your Benefits

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Missouri workers’ comp laws protect injured workers, but insurers and employers often make the process challenging.

If you’ve been injured on the job in Missouri, you may assume that workers’ compensation benefits are guaranteed. Unfortunately, misconceptions and misinformation often lead workers to make costly mistakes that delay or disqualify them from receiving benefits.

If you’ve been injured at work, don’t leave your benefits to chance. Our law firm has helped injured workers recover over $100 million—and we’re ready to fight for you. Need legal guidance? Contact us today!

st-louis-workers-comp-for-crane-accident

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 #3: If You Were at Fault for the Injury, You Can’t Get Benefits

Reality: Workers’ compensation is a no-fault system—you can still receive benefits.

Unlike personal injury claims, workers’ compensation does not require you to prove fault. Even if the injury was partially your fault, you are still entitled to compensation—as long as it happened while performing work-related duties.

🚨 Exceptions: Workers’ comp may be denied if you were:

  • Intoxicated or under the influence of drugs.
  • Injured while fighting or violating company policy.
  • Injured while intentionally harming yourself or others.

However, simple mistakes or accidents do not disqualify you from receiving benefits. Missouri Workers’ Compensation Law – RSMo § 287.120

injured missouri worker being helped by fellow worker

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:

🚨 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.

Contact The Law Office of James M. Hoffmann Today

Workers’ comp laws in Missouri are designed to protect injured workers, but insurance companies and employers often make the process difficult. Understanding these common myths allows you to avoid costly mistakes and maximize your benefits.

If you’ve been injured at work, don’t leave your benefits to chance. Our law firm has helped injured workers recover over $100 million—and we’re ready to fight for you. Need legal guidance? Contact us today!

Updated: March 13, 2025
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