Workers Compensation Payments Missouri

How Much Are Workers’ Compensation Benefits in Missouri?

Are you a hardworking individual who has suffered a workplace injury? Are you aware of your rights and the benefits you can avail of through workers’ compensation payments in Missouri? If not yet, understanding this vital aspect of employment protection can make a significant difference in your life if you ever find yourself injured or sick while at work. Navigating workers’ compensation law can be tough, but having a skilled legal team by your side can make all the difference. 

We, at Adams Law Group, have become a trusted ally in the realm of workers’ compensation in Missouri. With years of experience in handling workers’ compensation cases, we have become a reliable and knowledgeable resource for individuals seeking guidance and support. Our valuable knowledge in the field allows us to provide comprehensive assistance throughout the claims process, ensuring your rights are protected and that you receive the benefits you deserve.

Whether you need help figuring out the specifics of different types of disabilities or ensuring you receive all the benefits you deserve, Adams Law Group is here to support you every step of the way. Contact us today to know more. 

What is Workers’ Compensation?

Workers’ compensation payments refer to financial benefits provided to employees who suffer work-related injuries or illnesses. These payments are designed to compensate employees for lost wages, medical expenses, and rehabilitation costs incurred due to their work-related condition. 

In Missouri, the workers’ compensation system is governed by state laws and regulations that outline the eligibility criteria, claims process, and the types of benefits available.

Workers’ compensation payments aim to provide financial support and ensure that injured workers receive proper medical care and support during their recovery process.

What are the Workers’ Compensation Benefit Payments Available in Missouri? 

Workers’ compensation is an important system that provides benefits and support to employees who suffer work-related injuries or illnesses. In Missouri, workers’ compensation laws outline various types of disabilities and the corresponding compensation payments. Here are the types of benefits and the types of disabilities based on the workers’ compensation in Missouri.

  • Medical benefits 

Medical benefits cover the costs associated with the medical treatment that the injured or ill worker requires. This may include everything from doctor’s appointments to surgeries, physical therapy, and prescription medication. Often, workers’ compensation insurance providers have pre-approved medical providers who can provide the necessary treatment. 

  • Wage Reimbursement Benefits 

Wage reimbursement benefits provide financial assistance to workers who have to take time off from their job due to their injury or illness. This benefit is usually a percentage of the worker’s average weekly pay and may be affected by the severity of the injury or illness. 

  • Disability Benefits 

Disability benefits are financial assistance provided to employees who are unable to return to work permanently or temporarily due to their job-related injury or illness. These benefits are meant to compensate employees for their loss of income by paying them a percentage of their average weekly pay. 

Temporary Disability Benefits in Missouri

If a medical professional determines that you are unable to work or can only work with limitations due to workplace injuries, you may be eligible for temporary disability benefits in Missouri. These benefits cover a portion of your lost wages, excluding the first three business days unless your inability to perform your regular job extends beyond 14 days. 

  • Temporary Partial Disability (TPD) – refers to a situation where an injured worker is still able to perform some job duties but at a reduced capacity.  TPD benefits are calculated as two-thirds of the difference between the pre-injury average weekly wage and the post-injury wage. These benefits are paid for a specific duration until the worker reaches maximum medical improvement (MMI) or returns to full work capacity.
  • Temporary Total Disability (TTD) – occurs when an injured employee is unable to work at all due to their work-related injury or illness, but their condition is expected to improve over time. TTD benefits in Missouri are typically calculated as two-thirds of the worker’s average weekly wage prior to the injury, subject to a maximum limit set by the state.

Permanent Disability Benefits in Missouri

After reaching maximum medical improvement (MMI), your doctor will assess your condition following a work-related injury or illness to determine the presence and extent of any permanent disability.

  • Permanent Partial Disability (PPD) –refers to a permanent impairment that does not completely prevent an employee from returning to work, but it may result in a diminished earning capacity. In Missouri, PPD benefits are determined based on the nature and extent of the impairment, following a specific schedule provided by the state. The compensation amount is based on a percentage of the worker’s average weekly wage and the specific body part affected.
  • Permanent Total Disability (PTD) – occurs when an employee is permanently unable to engage in any gainful employment due to a work-related injury or illness. In Missouri, PTD benefits provide compensation for life, calculated as two-thirds of the worker’s average weekly wage, subject to statutory maximum limits.

Gaining a comprehensive understanding of the various benefits and disability provided by Missouri’s workers’ compensation payments system is essential for both workers who have suffered injuries and employers. Each type of them has its own specific requirements and payment frameworks. 

By becoming familiar with these categories, and having the right guidance of our workers’ compensation attorney, you can effectively navigate the process and ensure you receive the rightful benefits you are entitled to. Give us a call today to discuss your case. 

Am I Eligible to Avail Workers’ Compensation in Missouri?

To be eligible for workers’ compensation in Missouri, you must meet certain criteria. 

  1. Employment Status: You must be an employee covered by Missouri workers’ compensation laws. Most employers in Missouri with five or more employees are required to carry workers’ compensation insurance. Certain industries may require coverage even if they have fewer than five employees.
  2. Work-Related Injury or Illness: The injury or illness must have occurred while you are performing job-related duties or as a result of your employment. The injury or illness must be directly related to work tasks or the work environment.
  3. Timely Reporting: You must report the work-related injury or illness to your employer as soon as possible. Missouri law has a specific time limit of 30 days for reporting work-related injuries, and delays in reporting may affect eligibility for benefits.
  4. Filing a Claim: To initiate a workers’ compensation claim, you need to complete a “First Report of Injury” form (Form 122). This form should be provided by your employer or can be obtained from the Missouri Division of Workers’ Compensation. 
  5. Exclusions: Some categories of workers are not covered by workers’ compensation in Missouri. Independent contractors, domestic employees, certain agricultural laborers, and other specific groups may be excluded from coverage.

It is important to note that the eligibility for these benefits may vary. It is equally important to avoid common mistakes when filing a claim, such as not reporting the injury to the employer and doctor on time, or not properly completing the required paperwork. It is always better to seek the professional guidance of our workers’ compensation attorney to ensure you get the maximum benefit you deserve.

How Can I File A Claim?

Nobody wants to end up injured or sick due to work-related activities, but accidents can happen at any time. It’s important to know when and how to file for workers’ compensation benefits when needed. 

When to file a claim

Generally, claims are filed once a worker has missed a few days of work due to injuries or illness. Missouri’s state law statute of limitations for filing a workers’ compensation claim is two years from the date of the injury. However, it’s best to file as soon as possible to avoid any complications and medical bills. 

How to file a claim

To file an official claim, the first step is to inform your employer of your injury or illness. Your employer should provide you with Form 122, which should be filled out and returned to your employer or the insurer. Make sure you keep a copy for your records. In the event your employer refuses to give you this form or fails to report your injury, you should contact the Division of Workers’ Compensation of Missouri. 

Common mistakes to avoid

One of the most common mistakes made when filing a claim is not reporting the incident or injury to your employer on time. Providing accurate details regarding the event is also important. This ensures that the workers’ compensation claim process will be smooth and fast. 

Also, not seeking medical attention or waiting too long to see a physician can hurt your case. Make sure to seek medical treatment as soon as possible after the incident to assure that the condition is documented. 

Remember, there is no need to go through the process alone. If you have any questions or difficulties, our workers’ compensation lawyer at Adams Law Group is here to assist you. Contact us right away. 

Why Do I Need a Workers’ Compensation Attorney in Missouri?

Dealing and navigating the workers’ compensation payments in Missouri requires a deep understanding of the law and processes to claim the maximum benefit you deserve. By having the guidance and service of our experienced attorneys, you can benefit from their knowledge, skills, and representation to obtain the benefits you are entitled to by law.

At Adams Law Group, we are committed to:

  • Protect your rights and interests: We will ensure that your rights are protected and that you receive the maximum compensation benefits you deserve for medical expenses, lost wages, and disability.
  • Guide you to navigate the complex laws: Our deep understanding of these laws can guide you through the legal process.
  • Handle paperwork and deadlines: We will handle all the necessary paperwork and ensure that everything is filed correctly and on time.
  • Negotiate on your behalf: We will help you negotiate with the insurance company to ensure that you receive fair and just compensation. We will fight for your rights and advocate for your best interests.
  • Handle appeals and disputes: If your claim is denied or disputed, our attorney will guide you through the appeals process, represent you in hearings, and present persuasive arguments to support your case.
  • Reduce stress and focus on recovery: Dealing with a work-related injury or illness can be overwhelming. By hiring our attorney, you can alleviate the stress of legal matters and focus on your recovery and well-being.

Don’t face the complexities of workers’ compensation alone – consult with one of our workers’ comp attorneys at Adams Law Group today to protect your rights and claim the maximum compensation benefits you deserve.

Call our Missouri Workers’ Compensation Lawyer Now!

If you’re a hardworking individual who has suffered a workplace injury or illness, you don’t need to worry. There are benefits you can avail of through workers’ compensation payments in Missouri. Discover what workers’ compensation benefits are available to you and start claiming them now with the help of our workers’ comp lawyer in Missouri.

Contact our legal team at Adams Law Group today. Take the first step towards claiming your maximum compensation benefits now. Let us be your trusted partner in achieving it.

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