Question 1

How much does it cost to hire the firm?

Accepted Answer

Personal injury, workers' compensation, and Social Security Disability cases are handled on a contingency basis — the fee is a percentage of your recovery, and you owe nothing unless your case is successful. Traffic violation matters are handled for an affordable flat fee quoted up front. Either way, your initial consultation is free. Call (314) 918-7888 to get started.

Question 2

Do I really need a lawyer?

Accepted Answer

You're not required to have one — but insurance companies and government agencies have adjusters, examiners, and lawyers working to minimize what they pay. An experienced attorney levels that field, protects your rights, and makes sure nothing is left on the table.

Question 3

Who will handle my case?

Accepted Answer

The Law Offices of Ellen E. Morgan is a team of three attorneys led by Ellen E. Morgan, who has over forty years of experience representing injured workers and their families. Your case is handled by our firm as a team — you get the attention of a small firm backed by decades of combined experience.

Question 4

Where does the firm practice?

Accepted Answer

Our attorneys are licensed in Missouri and Illinois and represent clients throughout the St. Louis metropolitan area and beyond.

Question 5

What should I bring to my free consultation?

Accepted Answer

Anything related to your case: accident reports, medical records or bills, letters from insurance companies, photographs, pay stubs, and any paperwork you've been asked to sign. Don't worry if you don't have everything — bring what you have.

Question 6

What should I do if I'm injured at work?

Accepted Answer

Report your injury to your employer as soon as possible — in Missouri, you must report it within 30 days; in Illinois, within 45 days. Seek medical treatment, tell the doctor your injury is work-related, and keep records of everything. Then talk to an attorney before signing anything from the insurance company.

Question 7

Do I have a case if the accident was my fault?

Accepted Answer

In most situations, yes. Workers' compensation is a no-fault system — you don't have to prove your employer did anything wrong, and your own carelessness generally doesn't bar you from benefits.

Question 8

Can my employer fire me for filing a workers' compensation claim?

Accepted Answer

No. Both Missouri and Illinois prohibit employers from retaliating against workers who exercise their workers' compensation rights. If you believe you've been punished for filing a claim, contact an attorney right away.

Question 9

What about occupational diseases or repetitive injuries?

Accepted Answer

You don't need a single dramatic accident to have a claim. Carpal tunnel, hearing loss, respiratory disease, repetitive stress injuries, and occupational exposures are all compensable. Our firm has case experience in every type of work-related injury, trauma, and occupational disease.

Question 10

The insurance company offered me a settlement. Should I take it?

Accepted Answer

Not before you understand what your claim is actually worth. A first offer is rarely the best offer, and once you settle, you generally cannot reopen your claim — even if your condition gets worse. Have an attorney review any offer before you sign.

Question 11

What counts as a personal injury case?

Accepted Answer

Car and truck accidents, slip and falls, dog bites, and other injuries caused by someone else's negligence. If you were hurt because someone else failed to act with reasonable care, you may have a claim for medical expenses, lost wages, and pain and suffering.

Question 12

How long do I have to file a personal injury claim?

Accepted Answer

Deadlines are strict and vary by state and case type. In Missouri, most personal injury claims must be filed within five years; in Illinois, generally within two years. Some situations have much shorter deadlines — don't wait to get advice.

Question 13

What if I was partly at fault for the accident?

Accepted Answer

You may still recover. Both Missouri and Illinois allow recovery when you share some fault, though your compensation may be reduced by your percentage of responsibility. Don't assume you have no case — let an attorney evaluate it.

Question 14

What's the difference between SSDI and SSI?

Accepted Answer

Social Security Disability Insurance (SSDI) is based on your work history and the taxes you've paid into the system. Supplemental Security Income (SSI) is a needs-based program for people with limited income and resources. Some people qualify for both.

Question 15

My disability claim was denied. Is it over?

Accepted Answer

No — most initial applications are denied, and many strong claims win on appeal. You have 60 days to appeal a denial, and having an attorney significantly improves your chances at a hearing. Don't give up and don't miss the deadline.

Question 16

How long does the disability process take?

Accepted Answer

It varies widely — from several months for an initial decision to a year or more if your case goes to a hearing. Starting promptly, filing complete and accurate paperwork, and appealing quickly after any denial all help keep your case moving.

Question 17

Why should I hire a lawyer for a traffic ticket instead of just paying it?

Accepted Answer

Paying a ticket is pleading guilty — and that means points on your license, higher insurance premiums for years, and in some cases license suspension. An attorney can often get a moving violation amended to a non-moving violation, keeping points off your record entirely. The fee is usually far less than the insurance increase you'd otherwise pay.

Question 18

What kinds of traffic matters does the firm handle?

Accepted Answer

Speeding tickets, other moving violations, driving while suspended or revoked, and related traffic matters in Missouri and Illinois courts.

Question 19

Do I have to appear in court for my ticket?

Accepted Answer

In many cases, no. For most routine traffic violations, one of our attorneys can appear on your behalf and resolve the matter without you ever setting foot in a courtroom. You'll be told up front if your case is one that requires your appearance.

Frequently Asked Questions

General Questions

Workers' Compensation

Personal Injury

Social Security Disability

Traffic Violations

Have a question that isn't answered here?

Monday	8:30 AM – 5:00 PM
Tuesday	8:30 AM – 5:00 PM
Wednesday	8:30 AM – 5:00 PM
Thursday	8:30 AM – 5:00 PM
Friday	8:30 AM – 5:00 PM