Bollwerk and Associates

My Long-Term Disability Claim is Denied. What Do I Do Next?

Many employees make available to their workers, employer sponsored long term disability plans. It is important to know that if you do not follow the plan's administrative rules that are listed in the "plan documents," the insurance company and employer can deny your claim. If your claim has been denied but you still have a right to appeal the denial of the claim, there are several steps to follow to protect your rights and to make it more likely that you will win your case. Click the link below to learn more.

https://www.bollwerklaw.com/blog/my-long-term-disability-claim-was-denied-what-do-i-do-next-.cfm

We greatly appreciate it when a client takes the time to post a review!!

Another Five-Star Review from a satisfied client Jill was always Straight Forward

We were proud to be a sponsor for the Women Lawyers’ Assn. Of Greater St. Louis’ Nine and Wine Golf Tournament. Jill had a blast with her team of friends from the workers’ comp bar.

Limited Damages Without Auto Insurance

Missouri is now a “no pay, no play” state. This means that if you are hurt in an accident anywhere in the state of Missouri and you do not have car insurance, you may be limited from recovering fully for your injuries, even if the other driver was 100% at fault! Click the link below to learn more.

https://www.bollwerklaw.com/blog/missouris-no-pay-no-play-law.cfm

Chemical Exposure on the Job and OSHA - What You Need to Know

Depending on your field of work, you may be around substances that can pose risks to your health. Luckily, OSHA has some clear guidelines for employers and how they should handle these toxic chemicals. It’s best to know your rights as an employee when it comes to these substances, because your safety is always what matters. Click the link below to learn more.

https://www.bollwerklaw.com/blog/chemical-exposure-on-the-job-osha-blog-part-1.cfm

Post-Traumatic Stress Disorder Suffered After an Accidental Injury - Recognizing the Signs

PTSD (or Post Traumatic Stress Disorder) is identified as a disorder that forms in persons who experience a traumatic event. There are many different symptoms one can experience when suffering from PTSD and they can be triggered by many forms of stimuli. Click the link below to learn about the signs and symptoms.

https://www.bollwerklaw.com/blog/ptsd-after-a-traumatic-accident.cfm

When Does Missouri Have Jurisdiction Over Your Workers' Compensation Claim?

Imagine your work takes you out of the state and you get hurt on the job. This can complicate the workers' compensation claim process. Luckily, the Missouri Division of Workers’ Compensation uses a law in these circumstances that determines when claims can be filed in Missouri. There are 3 main situations that the law allows to be heard in Missouri and they are outlined at the link below in broad terms.

https://www.bollwerklaw.com/blog/bringing-your-workers-compensation-claim-in-missouri.cfm

Calculating Average Weekly Wage for Missouri Workers' Compensation Benefits

A phrase that you will hear a lot during your workers’ compensation claim is “average weekly wage.” This number is important since it ends up determining what you will be paid throughout the rehabilitative process. So, how do you find out what your number is? Click the link below to find out.

https://www.bollwerklaw.com/blog/determining-your-average-weekly-wage.cfm

All About Personal Injury Damages

Compensatory damages in a personal injury case are a form of “corrective justice,” which essentially means these types of damages seeks to correct or compensate the plaintiff for their injury. Click the link below to learn about the three types of compensatory damages.

https://www.bollwerklaw.com/blog/type-of-personal-injury-damages-in-missouri.cfm

The Basics of Car Insurance Coverage

Every driver in Missouri should have automobile insurance and understand how their policies, coverages, and limitations affect a person injured in a motor vehicle accident. Click the link below to learn more about the different types of car insurance in Missouri.

https://www.bollwerklaw.com/blog/my-car-insurance-coverage-part-i.cfm

The Three Basic Benefits Provided Under Missouri Workers' Compensation Law

Following a compensable injury, the worker’s compensation statute allows for a few different benefits. They can be somewhat confusing, especially when they are referred to in shorthand. Click the link below to learn what those benefits are so you can make sure you are receiving everything you are entitled to receive.

https://www.bollwerklaw.com/blog/missouri-workers-compensation-benefits-in-a-nutshell.cfm

Agriculture: Hazards and Risks In One of the Most Dangerous Professions

Missouri is covered by over 27 million acres of farmland. And according to the U.S. Bureau Of Labor Statistics, the agricultural sector is still amongst the most dangerous in America. Click the link below to learn more about the dangers of the agricultural industry in Missouri.

https://www.bollwerklaw.com/blog/preventing-serious-injury-on-missouris-farmland.cfm

How Does Comparative Fault Work in Missouri?

In Missouri, a plaintiff can still recover some damages if he or she bears some of the fault for his or her own injuries. Click the link below to learn more about how comparative fault works in a Missouri personal injury case.

https://www.bollwerklaw.com/blog/what-is-comparative-fault-in-missouri-.cfm

Jill is honored to speak today about PTSD in workers compensation cases at the 29th Annual Missouri Division of Workers’ Compensation Educational Seminar.

Do I Have a Case If I Am Involved in a Crash Caused by a Road Rage Incident?

Our Missouri car accident lawyer often gets the question, “Can I sue the driver who caused a crash during a road rage incident?” The answer is yes, you can sue the driver, but the problem is that person’s insurance company may likely deny any insurance coverage. Click the link below to learn more.

https://www.bollwerklaw.com/blog/hurt-in-a-road-road-incident-that-can-be-tricky-.cfm

Make Sure You Have the Coverage To Protect You In The Event Your Dog Bites Someone In Missouri

Who doesn’t love their dog? Many dog owners treat their dogs as if they are their children! But it is important to remember that your dog is an animal and can’t reason like a human. The sweetest dog may still sense that they are in some way being attacked and may injure someone. As a result, you need to make sure that you are protected in the event your dog does the unexpected and bites someone. Click the link below to learn about the types of coverage that dog owners should consider.

https://www.bollwerklaw.com/blog/dog-bites-insurance-coverage-issues-for-dog-owners.cfm

Keep Your Distance From Bobtailing Trucks

Have you ever driven down the highway and passed the tractor of a truck without a trailer attached? It can look rather strange. The practice is referred to a driving a truck bobtail. Not only does it look strange, bobtailing has its hidden dangers. Click the link below to learn more.

https://www.bollwerklaw.com/blog/the-dangers-of-trucks-driving-bobtail.cfm

Optional Underinsured Motorist Coverage in Missouri

Underinsured motorist (UIM) coverage is an important aspect of auto insurance policies, designed to protect policyholders in case of accidents involving drivers who do not carry enough insurance to cover the damages. Click the link below to learn more about what it covers and when it applies to serious injury cases.

https://www.bollwerklaw.com/blog/underinsured-motorist-coverage-what-it-is-and-what-it-is-not.cfm

Arrive Alive: Defensive Driving Tips for Sharing the Road with Commercial Trucks

Navigating the roads alongside tractor trailers requires more than just casual attention—it demands defensive driving. These large vehicles have unique operational constraints such as longer stopping distances, wider turning radii, and larger blind spots. For passenger vehicle drivers, understanding how to drive safely around tractor trailers is vital. Click the link below for essential defensive driving tips that enhance safety for everyone on the highway.

https://www.bollwerklaw.com/blog/sharing-the-road-with-tractor-trailers.cfm

Accidental Death Insurance Disputes and How to Combat Them

Accidental death insurance policies are designed to provide beneficiaries with a measure of financial security when a loved one dies unexpectedly due to an accident. These insurance policies seem straightforward, but they frequently become the center of disputes when insurance companies deny claims. Click the link below to learn some of the common issues we see as attorneys when we are faced with such a dispute.

https://www.bollwerklaw.com/blog/accidental-death-insurance-disputes-and-how-to-combat-them.cfm

Understanding The Challenges of Thoracic Outlet Syndrome after a Serious Car Crash

When you are in a car crash, so many injuries can occur – some of which you may not understand. Many injuries are not immediately apparent and come on over a period of days or weeks. Once such injury that can be detected later is thoracic outlet syndrome, or TOS, a condition that can cause significant pain and discomfort. Click the link below to learn more about this condition and its symptoms.

https://www.bollwerklaw.com/blog/thoracic-outlet-syndrome-after-a-truck-or-car-crash.cfm

Why Medical Payments Coverage Is A Good Idea In Missouri

Medical payments insurance is optional in Missouri. This kind of insurance, also known as “med pay”, will pay for your medical costs up to the limits stated in the policy. Most policies cover you, your family members, or any passengers in your car who are injured as a result of the accident. Medical payments coverage will pay your medical bills, regardless of whether you were at fault for the accident. Click the link below to learn more.

https://www.bollwerklaw.com/library/why-medical-payments-coverage-is-a-good-idea-in-missouri.cfm

Be Careful While You Enjoy the Local Park

Imagine you are riding your motorcycle in the local bike park and your tire hits a very large hole in the pavement, propelling you over the handlebars and causing you to break your leg. You think that you will be able to sue the owner of the park for your injuries and medical bills, right? Actually, that may not be right at all. You may be barred from suing the park owner due to a law known as "The Missouri Recreational Use Act, or the "RUA." Click the link below to learn more.

https://www.bollwerklaw.com/library/be-careful-while-you-enjoy-the-local-park.cfm

What Is Underinsured Motorist Coverage?

Underinsured motorist coverage should not be confused with uninsured motorist coverage. Visit our blog to learn the key differences.

https://www.bollwerklaw.com/library/what-is-underinsured-motorist-coverage.cfm

How Much Will I Be Paid While I Am Out of Work Healing From My Injuries?

Under Missouri workers' compensation law, you are generally paid 2/3 of your average weekly wage while you are ordered off work due to your injuries. The benefits you receive during this time are known as "temporary total disability benefits," or "TTD." Visit our blog for more information.

https://www.bollwerklaw.com/library/how-much-will-i-receive-while-i-am-out-of-work.cfm

If I Have a Workers' Compensation Injury, Who Chooses My Doctors?

The choice of doctor to treat a work-related injury depends on whether you live in Missouri or Illinois. At Bollwerk & Associates, our workers' compensation lawyer can tell you whether an employer has forfeited its right to choose the doctor under the law. Visit our blog to learn more.

https://www.bollwerklaw.com/library/if-i-have-a-workers-compensation-injury-who-chooses-my-doctor.cfm

Mediation and How it can Help you Settle your Personal Injury Case

Mediation is a form of ADR (Alternative Dispute Resolution) that is a viable alternative to the long, uncertain and expensive jury trial. With the help of a mediator who is highly trained in the art of negotiation, parties can see their cases settle when it seems that settlement is not possible. Visit our blog to learn more about mediation.

https://www.bollwerklaw.com/library/mediation-and-how-it-can-help-you-settle-your-personal-injury-case.cfm

Receiving Workers’ Compensation Survivor Benefits & Death Benefits in Missouri

Many people are familiar with workers’ compensation benefits as they relate to on-the-job injuries, conditions, or diseases. But fewer people know that the families of workers who die because of a work-related injury or illness are also eligible for workers’ compensation benefits. Visit our blog to learn more.

https://www.bollwerklaw.com/library/missouri-survivor-benefits-mo-workers-comp-attorney.cfm

What To Do Immediately After A Car Accident

Car accidents happen quickly. In a matter of seconds after a collision, you could be in shock, injured, and in danger. It is absolutely vital that you know what to do and how to act in the minutes after a car accident takes place. Visit our blog to learn what to do immediately after an accident.

https://www.bollwerklaw.com/library/what-to-do-after-a-car-accident-missouri-car-accident-attorney.cfm

Congratulations to attorney Andy Pichler and his wife, Sarah, on the birth of their second daughter, Myla! We wish their beautiful family all the best.