Risk Management

Workers' Compensation (CARO) Injured Employees' Resources

Employee Reporting Guidelines

1. Report all injuries immediately to your employer. Document the time, place, names of witnesses, and nature of the injury in a written report.  This link is the PDF version of the Employee Injury Report form.
2. If medical treatment is required, you or your employer should contact 1-800-624-2354 (or 1-800-735-2966 for the hearing impaired) 24-hours a day for the name of an authorized medical care provider in your area prior to seeking treatment. The State of Missouri may not pay for medical treatment if you do not utilize authorized medical providers.  However, you may seek your own medical care with the provider of your choice at your own expense.
3. Unless it is an emergency, do not seek aid without informing your employer and going to authorized medical providers.
4. If it is an emergency, seek initial treatment at the nearest hospital emergency room or medical clinic.  Then notify your employer as soon as possible.
5. Notify the hospital or clinic that your injury is a workers' compensation injury and give the name, address, and telephone number of your employer.
6. Surgeries and the purchase or rental of medical equipment should be preapproved by CARO.
7. Mileage may be submitted to CARO for treatment outside of the local or metropolitan area from the employee's principal place of employment.  This link is the PDF version of the Mileage Reimbursement form.

Workers' Compensation benefits may be reduced for injuries sustained in conjunction with the use of alcohol or controlled, nonprescribed drugs. Benefits may be forfeited if shown that the use of alcohol or controlled, nonprescribed drugs was the proximate cause of the injury.

Avoid unnecessary delays or denials by notifying your employer immediately of an injury.