I find that Claimant, Cynthia Knight, was born December 8, 1955. On January 13, 2009, while in the employ of Con Agra Foods, Inc. ("Employer"), Claimant stumbled into a hole, hitting her head on the ground. Claimant was taken to the emergency room with head complaints. Claimant was diagnosed with a concussion and released that afternoon. Claimant was not admitted to the hospital. Claimant returned to regular duty for Employer and continued to work for approximately two years.
Employer filed a report of injury with the Missouri Division of Workers' Compensation on January 14, 2009.
Employer and Insurer authorized the January 13, 2009 emergency room treatment and paid for all medical bills associated with that visit. The last such payment was made on April 13, 2009. No other payments have been made by Employer or by Insurer on account of the January 13, 2009 accident.
During the two years after January 13, 2009, Claimant presented to Employer's in-house nurses requesting additional medical treatment. Claimant testified that each time she made a request for additional medical treatment, Employer's nurses denied the request, believing that Claimant's complaints were not work-related.
Claimant agreed that Employer did not authorize any treatment after the January 13, 2009 emergency room visit. Eventually, after being denied treatment by Employer's nurses, Claimant told the nurses "I'm going to my own doctor." Claimant did seek treatment on her own and selected her own health care providers. Payments to the health care providers were made by Blue Cross/Blue Shield, Claimant's health insurance.
Claimant filed a Claim for Compensation with the Missouri Division of Workers' Compensation on August 21, 2013 for the January 13, 2009 accident. Employer, Insurer and the Second Injury Fund have all raised the statute of limitations as a defense.
The statute of limitations is $\S 287.430$, RSMo, which states:
Except for a claim for recovery filed against the second injury fund, no proceedings for compensation under this chapter shall be maintained unless a claim therefor is filed with the division within two years after the date of injury or death, or the last payment made under this chapter on account of the injury or death, except that if the report of the injury or the death is not filed by the employer as required by section 287.380 , the claim for compensation may be filed within three years after the date of injury, death, or last payment made under this chapter on account of the injury or death. The filing of any form, report, receipt, or agreement, other than a claim for compensation, shall not toll the running of the periods of limitation provided in this section. The filing of the report of injury or death three years or more after the date of injury, death, or last payment made under this chapter on account of the injury or death, shall not toll the running of the periods of limitation provided in this section, nor shall such filing reactivate or
revive the period of time in which a claim may be filed. A claim against the second injury fund shall be filed within two years after the date of the injury or within one year after a claim is filed against an employer or insurer pursuant to this chapter, whichever is later. In all other respects the limitations shall be governed by the law of civil actions other than for the recovery of real property, but the appointment of a conservator shall be deemed the termination of the legal disability from minority or disability as defined in chapter 475 . The statute of limitations contained in this section is one of extinction and not of repose.
As Employer filed a timely report of injury, the statute of limitations bars the claim for compensation unless same was filed within two years of "the last payment made under this chapter on account of the injury". The last payment made under Chapter 287 on account of Claimant's injury was on April 13, 2009. The claim was filed more than four years thereafter. There is no question that the Claim for Compensation is barred by the statute of limitations.
Claimant claims that "the last payment made under this chapter on account of the injury" was made by Blue Cross/Blue Shield on November 14, 2011. Blue Cross/Blue Shield did indeed make payments for medical treatment rendered to Claimant on November 14, 2011. Claimant's assertion that the Blue Cross/Blue Shield payments were made "under this chapter (Ch. 287) on account of the injury" fails on two counts. First, there is no medical evidence whatsoever that the medical treatment of November 14, 2011 for which Blue Cross/Blue Shield made payments, was medical treatment rendered "on account of the injury" (i.e., an injury incurred by Claimant in the January 13, 2009 accident). Second, Dungan v. Fuqua Homes, Inc., 437 S.W.3d 807 (Mo. App. W.D. 2014) held that payments made by a health insurance carrier do not constitute "payments made under this chapter", and thus do not toll the running of the statute of limitations. Dungan is clearly on point and is dispositive of the issue.
Claimant's claim for compensation against Employer-Insurer and Second Injury Fund was not filed within the limitations period, and thus the claim is time-barred.