Workers Compensation Laws in Missouri

Workers compensation is a system of laws meant to protect injured and disabled workers. The goal is to make sure someone injured at their workplace gets adequate medical care, lost wages relating to the on-the-job injury, and, if necessary, and any retraining necessary to restore them to the workforce.

If workers are killed on the job, members of the workers' families are typically eligible for workers compensation benefits. Injured workers may want to consult an attorney for advice in protecting their benefits and defending against any attempt to prematurely terminate their benefits.

Workers Compensation is Compulsory in Missouri

Missouri law stipulates that workers compensation is compulsory. This means that an employer must provide worker's compensation insurance for employees. A private insurance carrier can provide it, or employers may self-insure. Waivers are not permitted.

Employers with fewer than 5 employees are exempt, unless they are in the construction industry. Agricultural employers have a choice, but domestic servants are excluded from workers compensation.

Medical Benefits and Choice of Physician in Missouri

The employer selects physician and full benefits are provided with no time or monetary limits.

Disability Benefits Provided in Missouri

Temporary total disability payments are a percentage of the worker's wage and continue for up to 400 weeks.

Permanent total disability payments are calculated as a percentage of the worker's wage and typically continue for the duration of the disability.

Permanent partial disability benefits are allotted based on a percentage of the worker's wage and may continue for up to 400 weeks.

Scheduled awards are paid in addition to total temporary disability benefits starting upon termination of the termination of the TTD benefits. Scheduled awards are not reduced because of receipt of TTD benefits.

Court-awarded additional benefits start upon the termination of the total temporary disability benefits. Scheduled awards will be reduced because of receipt of total temporary disability benefits.

Benefits may also be available for serious and permanent disfigurement of the head, neck or arms, including dismemberment, and physical and vocational rehabilitation benefits are also available.

Death Benefits Provided in Missouri

An employee's surviving spouse, or spouse and children may collect death benefits, based upon a percentage of the employee's wages and subject to a cap. A minimum benefit is provided regardless of the employee's earnings. A burial allowance is also available.

Limits on Attorney Fees

Missouri workers compensation laws stipulate that attorney fees for claimants are limited to 25%.

If you have questions or concerns regarding worker's compensation in Missouri, contact a local lawyer who can help.

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