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James M. Roswold is licensed in Missouri Only. Heather A. Lottmann is licensed in Kansas and Missouri. Victor B. Finkelstein is licensed in Kansas and Missouri.
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Workers Compensation
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Workers Compensation
Injured on-the-job: How do I know if my Kansas City employer carries Workers’ Compensation insurance?
Workers' compensation is an insurance plan provided by the employer to pay employee benefits for job-related injuries, disability or death. Workers' compensation is mandated by state and federal laws. The rules requiring workers' compensation coverage vary by state.
Missouri
In Missouri, all employers with five or more employees are required to carry Missouri workers’ compensation insurance. However, because construction work is so dangerous, in the construction industry, Missouri employers must carry workers’ compensation insurance if they have one or more employees.
The exceptions in Missouri include, railroad, postal, and maritime workers are covered under federal laws and not by Missouri Workers’ Compensation Laws.
Other exceptions include:
• Farm labor
• Domestic servants in a private home
• Occasional labor performed for a private home
• Some real estate agents and direct sellers who qualify as independent contractors
• Volunteers who are not paid wages
• Self-employed workers
Kansas
In Kansas all employers with a gross annual payroll of $20,000 or more must carry Kansas workers’ compensation coverage. All payroll is taken into account, including that paid to workers out of state. An exception is made if the employer is a sole proprietor or a partnership, and then the wages paid to the owners and any of their family members are not used in the computation of the gross annual payroll.
Employment categories excluded from the law are:
• Certain agricultural and farm employees
• Realtors who qualify as independent contractors
• Firefighters belonging to a firefighters relief association which has legally waived workers compensation coverage
• Certain owner-operator vehicle drivers who are covered by their own occupational accident insurance policy
In both states, employers that are not required to carry workers’ compensation coverage may decide to carry workers’ compensation insurance as self-protection. Exempt employers that do not purchase workers compensation insurance may be sued by employees who are injured while at work.
Workers' Compensation In Kansas and Missouri
Under workers' compensation, employees who are injured by a job-related injury or disease are entitled to:
• Payment of medical benefits to treat the job-related injury or illness
• Payment of income benefits to replace part of the wages lost due to the injury or illness
• If a death results from a job-related injury or disease, then benefits are paid to surviving spouse, dependents or heirs.
If an employee is injured and the company does not carry workers’ compensation insurance, then a personal injury lawsuit can be filed against the employer. If it can be proven that the injury was caused by the company’s negligence, the employee may recover medical bills, lost wages, pain and suffering and other damages.
The Kansas City personal injury attorneys at Kansas City Accident Injury Attorneys work to protect the rights of those injured on-the-job in Missouri and Kansas. If you have been hurt at work, contact our office to request our free book, How To Avoid Becoming a Work Injury Horror Story. If you need help or have any questions, we can always schedule a free legal consultation with one of our Kansas City work-injury lawyers. Call 1-888-348-2616.
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Kansas City Accident Injury Attorneys
1102 Grand Blvd., Ste 1901
Kansas City, MO 64106
Phone: 816-471-5111
Toll Free: 888-348-2616
Get Directions
1102 Grand Blvd., Ste 1901
Kansas City, MO 64106
Phone: 816-471-5111
Toll Free: 888-348-2616
Get Directions
Kansas City Accident Injury Attorneys*
11900 College Boulevard, Suite 300
Overland Park, KS 66210
*By Appointment Only: Heather A. Lottmann & Victor B. Finkelstein
11900 College Boulevard, Suite 300
Overland Park, KS 66210
*By Appointment Only: Heather A. Lottmann & Victor B. Finkelstein
Free Consumer Guides
Work Injury Basics - What Injured Workers Need to Know
Benefits Provided By Worker's Compensation Laws
Book: Worker's Compensation Survival Guide
News Flash: Work Comp Legislation ChangesContact Us
Kansas City Accident Injury Attorneys
1102 Grand Blvd., Ste 1901
Kansas City, MO 64106
Phone: 816-471-5111
Toll Free: 888-348-2616
Get Directions
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Testimonials
- I’m highly satisfied, I would call Victor again. I needed his help, and he has been a great attorney. I’m very comfortable recommending victor to other clients. Now that I’m happy with how much he’s helped me, I’m definitely recommending him to anyone that needed his help.
- Heather was very nice and polite and very informative. Heather was very responsive when I asked her questions and very informative. Yes, she was very aggressive with the insurance company. She was very aggressive trying to get a higher amount. Yes she was very nice. She is very informative and knows what she is doing.
- It was great to work with Heather, she kept me informed about everything, the dos and the don’ts and what everything was and kept me on track. she was very professional she told you what was going on, she kept you a breast of everything that was going on, she was an excellent lawyer. Ms Heather and the whole staff at the Accident Injury firm, I would recommend them to anybody across the world, that they are excellent, honest attorneys.
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