Getting You Fair Compensation for Your Broken Bones & Fractures from Work Injuries
If you broke a bone at work in Missouri, you are generally entitled to workers’ compensation benefits, including medical care and wage replacement while you heal. You do not have to prove your employer did anything wrong. Tolbert Beadle helps injured workers across Missouri make sure the insurance company pays everything the law allows. Call 1-800-887-4030 for a free consultation.
Are Broken Bones Covered by Workers’ Comp in Missouri?
Yes. Missouri workers’ compensation is a no-fault system. If a work accident was the prevailing factor in causing your fracture, you can generally receive benefits whether or not anyone was careless. In exchange, workers usually cannot sue their employer directly, which is why getting the full value of your workers’ comp claim matters so much.
Broken bones are never just “part of the job.” A fracture can keep you off work for weeks or months, and some never fully heal. Don’t let your employer or its insurance company give you less than you need to recover.
Common Workplace Fractures We Handle
Fractures happen in nearly every industry, from construction and manufacturing to healthcare, retail, and trucking. We regularly help workers with:
- Broken wrists, hands, and fingers from falls or machinery
- Broken arms, elbows, and shoulders (including collarbone fractures)
- Broken legs, ankles, and feet from falls, crush injuries, or falling objects
- Hip and pelvic fractures
- Rib fractures
- Vertebral (spinal) fractures, which may also involve a spinal cord injury
- Compound fractures, stress fractures, and fractures requiring surgery, plates, or screws
What Workers’ Comp Benefits Can You Receive for a Broken Bone?
Depending on your injury, Missouri workers’ compensation may provide:
- Medical treatment: doctor visits, surgery, casting, imaging, prescriptions, and physical therapy related to the injury.
- Temporary total disability (TTD): generally two-thirds of your average weekly wage, up to the state maximum, while you are unable to work.
- Temporary partial disability (TPD): partial wage replacement if you return to lighter duty at lower pay.
- Permanent partial disability (PPD): compensation for lasting loss of function after you reach maximum medical improvement.
- Permanent total disability (PTD): benefits if your injury prevents you from returning to any work.
What to Do After Breaking a Bone at Work
- Get medical care right away and tell the provider the injury happened at work.
- Report the injury to your employer in writing as soon as possible, and no later than 30 days after the accident.
- Write down what happened, who saw it, and take photos of the scene if you can.
- Keep copies of medical records, work restrictions, and pay stubs.
- Talk with a workers’ compensation lawyer before giving a recorded statement or signing a settlement.
Why Fracture Claims Get Disputed
Insurance companies often push back on fracture claims. They may argue the injury was preexisting, cut off wage benefits too early, deny recommended surgery, or lowball the permanent disability rating. An experienced workers’ compensation lawyer can review your medical evidence, challenge unfair ratings, and fight for the full benefits you’re owed.
Tolbert Beadle- Helping You With Your Workplace Injuries
You need rest for broken bones to heal, reducing your ability to earn the funds you need to cover daily expenses. If your injury occurred at work because of your employer’s negligence, you shouldn’t have to deal with these repercussions alone.
An experienced workers’ compensation lawyer can look into the cause of your injury, collect evidence and help you get optimal compensation for your injury.
Frequently Asked Questions
Yes. Missouri workers’ compensation is a no-fault system, so you do not have to prove your employer was negligent. If a work accident was the prevailing factor in causing your fracture, you can generally receive medical and wage benefits.
You should give your employer written notice within 30 days of the accident. Missing this deadline can put your benefits at risk, so report the injury as soon as possible.
In most cases, you have two years from the date of the injury or the last benefit payment to file a Claim for Compensation with the Missouri Division of Workers’ Compensation. The deadline can extend to three years if your employer never filed a report of injury.
If your doctor says you cannot work, temporary total disability benefits generally pay two-thirds of your average weekly wage, up to a maximum set by the state. Medical treatment for the injury should also be covered.
In Missouri, your employer and its insurer generally have the right to choose the treating doctor. If you have concerns about your care, a workers’ compensation lawyer can explain your options.
Yes. Some fractures cause lasting problems like stiffness, arthritis, or surgical hardware. Once you reach maximum medical improvement, you may qualify for permanent partial disability benefits based on the function you lost.
Usually not. Workers’ compensation is generally your only remedy against your employer. If someone other than your employer caused the injury, such as a negligent driver or equipment manufacturer, you may also have a separate personal injury claim.
Yes. Tolbert Beadle offers a free consultation for workers’ compensation cases. Call 1-800-887-4030 or contact our Springfield, Jefferson City, or Columbia office.
Get the Compensation You Need for Your Broken Bones with Tolbert Beadle
You should be able to focus on getting healthy and moving back toward normalcy, paying for your medical bills or regular expenses. We’re determined to get you fair compensation for your injury, which is why we offer a free consultation. Contact us today to see how we can help.
