Not every injury that happens at work qualifies for workers’ compensation in Missouri. To be eligible, the accident must arise from risks specific to your job. Injuries caused by hazards you are “equally exposed to” outside of work are often denied by insurance companies.
What Is the ‘Equally Exposed’ Standard?
Missouri law requires that an injury result directly from your employment. For example, if your injury stems from a common activity unrelated to your job, your claim could be denied.
Examples of Claims Denied Due to the Equally Exposed Standard:
- A road crew worker walking briskly at work feels a pop in their knee.
- An employee twists their ankle while making coffee
- A delivery driver chokes while eating on the job.
In these cases, courts ruled that the injuries were not caused by unique workplace risks but rather everyday hazards.
Why Is This Argument a Problem for Springfield Workers?
Insurance companies frequently use the equally exposed argument to deny claims. They argue that if an injury could have happened outside of work, they’re not liable. This makes it harder for injured employees in Springfield to get the compensation they need.
How Springfield Attorneys Can Help
An experienced Springfield workers’ compensation attorney will gather evidence to prove that your injury resulted from job-specific risks. This is crucial for overcoming insurance company denials.
If your claim has been denied due to the equally exposed standard, contact Webster & Carlton to protect your rights.