If you’ve been hurt at work, filing a workers’ compensation claim can help you recover the financial support you need. However, one of the most common concerns for injured workers is how long it takes to receive a settlement. While every case is unique, understanding the process can give you an idea of what to expect.
Factors That Impact Settlement Timelines
The time it takes to resolve a workers’ compensation claim depends on several factors, including:
- The Severity of Your Injuries: Serious injuries requiring ongoing treatment often take longer to settle.
- Your Medical Recovery: Settlements are typically delayed until you’ve reached maximum medical improvement (MMI), meaning your condition has stabilized.
- Disputes About Your Claim: If the insurance company challenges your injury or the extent of your damages, it can prolong the process.
- The Complexity of the Case: Cases involving multiple parties or unclear liability may take longer.
- Court Involvement: If negotiations fail and the case goes to a hearing, it can significantly extend the timeline.
Each of these factors can influence how quickly or slowly your claim moves forward.
Typical Stages of a Workers’ Comp Settlement
The workers’ compensation process involves several steps, each of which can impact the timeline:
Filing Your Claim
After your injury, you must notify your employer and file a claim with their workers’ compensation insurance carrier. In Missouri, you generally have 30 days to report the injury, and the insurer will begin investigating the claim once filed.
Receiving Medical Treatment
Your recovery period plays a significant role in the timeline. You’ll likely wait until you reach MMI before your claim is resolved so that the full extent of your medical costs and future needs are clear.
Negotiating the Settlement
Once your medical treatment is complete, the insurer may offer a settlement. If the initial offer is insufficient, your attorney can negotiate for a better amount. Negotiations can take weeks or months, depending on how willing the insurance company is to compromise.
Mediation or Hearings
If a fair settlement can’t be reached, the case may proceed to mediation or a formal hearing before a judge. These steps can add months or even a year to the process.
How Long Can the Process Take?
In Missouri, straightforward workers’ compensation cases can often be resolved in a few months. However, complex cases with disputes or significant injuries may take a year or more to reach a resolution.
What Can I Do to Speed Up the Process?
While you can’t control every aspect of the timeline, there are steps you can take to help your claim move forward:
- Report Your Injury Immediately: Promptly notifying your employer ensures the process begins without delay.
- Follow Your Doctor’s Orders: Adhering to your treatment plan shows the insurance company that you’re serious about recovery.
- Work With an Experienced Attorney: A lawyer can help you navigate the system, avoid delays, and negotiate effectively on your behalf.
Taking these steps can prevent unnecessary holdups and help you secure a fair settlement faster.
Why Reaching MMI Is Important
Waiting until you reach MMI is crucial because it ensures your settlement reflects the full scope of your injury. Settling too early could leave you without the funds needed for ongoing medical care or lost wages.
For example, if you suffer a back injury that worsens over time, settling before reaching MMI could mean you’re stuck covering future medical bills out of pocket.
Contact a St. Louis Workers’ Compensation Lawyer for a Free Consultation
Were you or a family member injured at work in St. Louis, MO? Call a St. Louis workers’ compensation lawyer for a free consultation today. Our team at Roach Law Car Accident Lawyers can help you fight for the full compensation you deserve.
Roach Law Car Accident Lawyers – St. Louis Office
1010 Market Street, Suite 1605
St. Louis, Missouri
(636) 519-0085
Roach Law Car Accident Lawyers – Chesterfield Office
400 Chesterfield Center Suite 400
Chesterfield, MO 63017
(636) 999-9587
Roach Law Car Accident Lawyers – Creve Coeur Office
11628 Old Ballas Rd, Suite 320
Creve Coeur, MO 63141
(314) 557-2869
Roach Law Car Accident Lawyers – Clayton Office
7733 Forsyth Blvd, Suite 1100
Clayton, MO 63105
(314) 804-4569
