Out-of-State Work Injuries Require Specialized Knowledge of Missouri Workers’ Compensation Law. We can Help. Contact us for a Free Consultation.
Workers’ compensation laws are designed to protect employees who suffer injuries. But what happens when your job takes you beyond Missouri’s borders? If you’re injured while traveling for work, it’s crucial to understand how workers’ compensation applies to out-of-state injuries and what steps you need to take to ensure you receive the benefits you deserve.
Call us today or fill out our online contact form for a free consultation. Let us help you get the compensation you need to recover and move forward.
30 YEARS EXPERIENCE
OVER $100 MILLION COLLECTED
ONLY WORK COMP
Are You Covered for Out-of-State Work Injuries?
Missouri workers’ compensation laws typically follow employees even when injured outside the state as long as the injury occurs within the scope of employment. Missouri workers’ compensation likely covers you if your job requires travel—whether a sales position, truck driving, or attending an out-of-state conference. However, specific rules may vary depending on the nature of your work, your employer’s insurance policy, and the circumstances of the injury. Key factors that determine coverage:
- Employment Contract: If your job is based in Missouri or your employment contract specifies Missouri as the state of employment, you are generally covered under Missouri workers’ compensation laws, even when working out of state.
- Scope of Employment: Your injury must occur while performing job-related duties. For example, your injury is likely covered if you’re injured while delivering goods or attending a work-related meeting. However, injuries sustained during personal time, such as sightseeing or dining outside work hours, may not be.
Steps to Take If You’re Injured Out of State
- Report the Injury Immediately:
- Notify your employer as soon as the injury occurs. Prompt reporting is essential to ensure your claim is filed correctly and within the required time frame. Even if you’re out of state, communicate with your supervisor or HR department to document the incident.
- Seek Medical Attention:
- Depending on your location, you may need to visit a local medical provider for immediate treatment. Employers can choose the treating physician in Missouri for workers’ compensation claims. If possible, consult with your employer or insurance provider to determine if they have a preferred provider.
- Document the Injury and Circumstances:
- Keep detailed records of the incident, including where and how the injury occurred. Collect names and contact information of any witnesses, and take photos of the injury and the scene if applicable. This documentation will be crucial if your claim is challenged.
- Consult Your Employer’s Workers’ Compensation Carrier:
- Contact your employer’s workers’ compensation insurance provider to clarify coverage details and ensure all necessary paperwork is completed. The insurance company may require specific documentation or forms for your out-of-state injury.
- Follow Up on Your Claim:
- Once you’ve reported the injury and received initial treatment, stay in regular communication with your employer and the workers’ compensation insurer to track the progress of your claim. Ensure all medical bills and treatment records are submitted to the insurer.
Potential Challenges and How to Overcome Them
Navigating workers’ compensation for out-of-state injuries can present unique challenges. Some common issues include:
- Denial of Claim: Some employers or insurers may attempt to deny claims for out-of-state injuries, arguing that the injury did not occur within the scope of employment. In these cases, gathering strong evidence and consulting an attorney can help.
- Jurisdictional Disputes: There may be questions about whether Missouri or another state’s workers’ compensation laws apply. In most cases, Missouri coverage will apply if your job is based in Missouri, but legal guidance may be necessary if there is a dispute.
- Treatment Authorization: Receiving medical treatment in another state can complicate obtaining employer-approved care. Always communicate with your employer or their insurer to avoid out-of-pocket expenses.
How an Attorney Can Help
If you encounter difficulties with your workers’ compensation claim for an out-of-state injury, an experienced workers’ compensation attorney can guide you. An attorney can help by:
- Clarifying Coverage: Ensuring your injury falls under Missouri workers’ compensation laws.
- Filing Appeals: Assisting you in appealing denied claims or challenging unfair benefit decisions.
- Maximizing Benefits: Helping you obtain the full range of benefits you’re entitled to, including medical coverage and wage replacement.
Understanding Your Rights
It’s important to know that you have rights under Missouri workers’ compensation laws as a traveling employee. Whether you’re injured in Missouri or another state, your employer is responsible for providing coverage for work-related injuries. Understanding these rights can help avoid unnecessary stress and financial burdens during recovery.
Contact Us Today
If you’ve been injured while traveling for work, the Law Office of James M. Hoffmann can help you navigate the complexities of workers’ compensation claims. We have decades of experience helping Missouri workers secure the benefits they deserve, even for out-of-state injuries.
Call us today at (314) 361-4300 or fill out our online contact form for a free consultation. Let us help you get the compensation you need to recover and move forward.