Timeline for Filing First Responder Injury Claims

September 19, 2025 | Compensation, First Responders, Workers Compensation

The Process of Filing an Injury Claim as a First Responder in Missouri

St. Louis and Missouri first responders—firefighters, police officers, EMTs, paramedics, emergency telecommunicators, nurses, and physicians—have critical protections under Missouri’s evolving workers’ compensation statutes.

Understanding the deadlines, steps, and legal requirements is essential to ensure that injured first responders are not barred from the benefits and compensation they deserve. This comprehensive guide, written by our first responder personal injury attorneys, details the timeline, deadlines, and claim process for both physical injuries and post-traumatic stress disorder (PTSD) claims as of 2025.

Overview: Missouri First Responder Workers’ Compensation Protections

Recent legislative changes have dramatically expanded and improved the laws regarding workers’ compensation for first responders in Missouri. These laws not only recognize the heightened risks associated with emergency and public safety work, but they also make it easier for first responders to receive appropriate compensation for physical and psychological injuries sustained in the line of duty.

Key covered categories include:

• Firefighters (career and volunteer)
• Police and law enforcement officers
• EMTs and paramedics
• Emergency telecommunicators (dispatchers)
• Nurses and physicians assigned to emergency roles.

The Process of filing a personal injury claim as a first responder

1. Immediate Action After Injury or Exposure

• Physical Injury or Accident: Notify your employer as soon as possible and seek medical attention for any workplace incident, whether an accident, hazardous exposure, or apparent injury (back, neck, fracture, burns, etc.).
• PTSD or Mental Health Symptoms: Seek prompt evaluation with an authorized, qualified medical provider (psychologist or psychiatrist) if you begin experiencing psychological symptoms believed related to a work event.

2. Mandatory Reporting Deadlines

Physical Injuries and Occupational Diseases (excluding PTSD):

• Notice to Employer: You must report any workplace injury to your employer within 30 days of the accident or when you become aware of a work-related injury or illness. Written notice is always best.
• Claims Involving Gradual or Occupational Disease: The 30-day clock starts when you know or should have known the injury is work-related, which provides breathing room for issues like repetitive stress, respiratory conditions, or cancer.

PTSD Claims (Missouri-specific):

• Special PTSD Reporting Window: PTSD-related workers’ compensation claims must be reported within 52 weeks of either:
  • The qualifying exposure/event or
  • The formal diagnosis of PTSD by an authorized medical provider(Whichever is later).

PTSD reporting timelines were intentionally extended to account for delays in symptom development or diagnosis—first responders are not penalized if they do not immediately recognize the symptoms of PTSD.

Qualifying PTSD exposures include:

• Witnessing death or grave injury (especially of minors)
• Responding to fatal accidents, suicides, homicides
• Involvement in life-threatening, traumatic incidents.

3. Filing the Formal Workers’ Compensation Claim

Physical Injuries and Occupational Diseases:

• Standard Deadline: File a formal claim with the Missouri Division of Workers’ Compensation within two years of the date of injury or last payment of workers’ comp benefits.
• Extended Deadline: If your employer fails to submit a First Report of Injury to the state, the deadline extends to three years from the injury or last payment.

Failure to file timely can result in losing your right to first responder workers’ compensation benefits.

PTSD Claims:

• Filing Period:PTSD claims must be properly noticed as above (52 weeks), but the claim must be filed per standard comp deadlines (generally two years from injury or last payment, or three if employer fails to report).
• Diagnosis Must Be Documented:Must have diagnosis by an authorized treating physician, and the PTSD must be clearly and convincingly linked to your job.

4. Verification, Medical Evaluation, and Benefit Determination

• Medical Evaluation:Attend all scheduled appointments with workers’ comp medical providers. If psychological injury, provide full records from psychologist/psychiatrist.
• Critical Illness Pool (for select diseases, PTSD, and cancer):Missouri has a presumptive-benefit system designed for streamlined awarding of benefits for certain occupational diseases and PTSD, reducing the burden of proof on first responders, especially for firefighters, police, and EMTs.
• Dispute/Appeal Timeline:If a claim is denied, there is an administrative appeals process—deadlines are strict, typically requiring a response within weeks of the denial.

Missouri Workers’ Compensation Timeline for First Responders: Summary Table

Step	Physical Injury Claims	PTSD Claims (First Responders)
Report to Employer	Within 30 days of injury	Within 52 weeks of exposure or diagnosis (whichever is later)
File Formal Claim	Within 2 years of injury/last payment	Standard comp window applies (2 years injury/last payment, 3 if employer fails to report)
Extension Option	3 years if employer fails to report	3 years if employer fails to report
Key Statutes/Law	RSMo §287.067, §67.145, Senate Bill 24	RSMo §287.067 (PTSD: specifically for first responders)
Critical Illness Pool	Cancer, select diseases: streamlined	PTSD, cancer: streamlined presumed benefit pathway

Important Legal Notes and Requirements

• Written Notice: Always provide written notice (email, letter, official injury form) to create a verifiable record.
• Qualifying Events for PTSD: Must be documented, with reference to specific traumatic exposures covered under statute.
• Proper Medical Support: Diagnosis and evidence from approved medical professionals are required for all claims, especially those involving mental health.
• Presumptive Benefits: Missouri recognizes “presumptive” eligibility for certain diseases/injuries in first responders, reducing the burden of directly proving causation in many cases.
• Retaliation is Illegal: Missouri law prohibits employers from retaliating against employees for filing legit claims.
• Volunteer First Responders: Are now also covered under expanded Missouri laws.

What Happens if You Miss a Deadline?

Missing either the 30-day reporting requirement (for physical injuries) or the 52-week PTSD reporting requirement can severely harm your claim. Claimants may forfeit rights to medical and wage-loss benefits, unless special exceptions apply (rare). Legal advice is essential if you are nearing or have missed a deadline—sometimes a claim may still be salvaged, especially if the employer failed to meet their own obligation to report the injury.

Common First Responder Claims—Physical and Mental

• Fractures, spinal, neck, and back injuries
• Joint/shoulder/knee/ankle injuries
• Burns, cuts, respiratory/chemical exposure
• Cancer and cardiovascular conditions (especially firefighters)
• Infectious diseases (including COVID-19)
• Psychological injuries: PTSD, anxiety, depression

Missouri’s unique mental health benefit for first responders sets it apart—PTSD claims do not require a physical injury, so long as the psychological harm results from covered traumatic work exposures and is properly diagnosed.

Get help from a personal injury attorney

Missouri’s framework for first responder injury claims, including both physical and PTSD/psychological injuries, is among the most comprehensive in the nation. By observing all required deadlines—written reporting, formal claim filing, and proper medical verification—first responders and their families can maximize benefit opportunities and protect long-term well-being. Legal guidance is crucial for navigating these complex timelines, especially in cases involving novel or severe exposures.

Our Recommendations for First Responders and Families

• Report immediately after an incident—even if injury/illness seems minor.
• Document everything: Date/time, location, details of the incident, witnesses, and immediate symptoms.
• Consult an experienced first responder workers’ compensation lawyer to protect your rights, especially if your claim involves PTSD or an occupational disease, as these are most often denied for lack of “clear and convincing” evidence.
• Keep a detailed record of symptoms, treatments, and missed work resulting from the injury/exposure.

Need help with your first responder claim? Contact Ortwerth Law for a free evaluation, and let dedicated professionals handle the deadlines and forms while you focus on your health and career. We specialize in practicing as workers’ compensation lawyers for first responders in St. Louis and around the State of Missouri.