What Does Workers’ Comp Cover?

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Diving into the Depths: Unraveling the Coverage of Workers’ Compensation

Whether you’re a hardworking employee or an employer in Missouri, it’s important to understand what workers’ compensation covers. If you get hurt or sick while working, knowing your rights and having a workers’ comp lawyer can help you deal with the legal stuff.

Workers’ compensation, also called workers’ comp, is a big help for employees who get hurt or sick while working. It helps pay for medical bills and makes up for lost wages, so employees can concentrate on getting better instead of worrying about money. It’s also a good idea to have a workers’ comp lawyer on your side to help with any legal stuff that comes up with these claims.

Quick Summary:

  • Workers’ Compensation: It’s insurance for employees hurt or ill because of work, paying for lost wages and medical costs, preventing lawsuits for employers, and promoting safer workplaces.
  • Missouri Laws: Employers must have workers’ comp, especially in fields like construction, covering medical, disability, and wage benefits with a process for claims and disputes.
  • Coverage: Includes medical expenses, lost wages, disability benefits, vocational rehab, death benefits, and related costs from work injuries or illnesses.
  • Payment in Missouri: Temporary Disability benefits are typically 66 2/3% of weekly earnings, capped by law. Permanent Disability benefits are two-thirds of pre-injury wages, also capped by state law.

What is Workers’ Compensation?

Workers’ compensation is kind of like having insurance for when you get hurt on the job. It helps cover things like lost wages and medical bills if you have a work-related injury or illness. This way, if you can’t work because of something that happened at work, you can still get some support. And it’s good for employers too, since it protects them from getting sued over workplace injuries. 

The main goal is to make sure workers have the help they need when they’re hurt, while also encouraging employers to keep their workplaces safe. It can be a bit tricky to understand how it all works since each state has its own rules for workers’ comp.

What Do I Need to Know About Missouri Workers’ Compensation Laws?

Missouri Workers’ Compensation Laws are designed to help workers who suffer injuries or illnesses related to their jobs. Here’s what you need to know:

Coverage 

  • Most employers must have workers’ compensation insurance to provide benefits to employees hurt on the job. 
  • If you have five or more employees, you’re required to have workers’ compensation insurance.
  • If you’re in the construction industry, you must have workers’ compensation insurance even if you have just one employee. This insurance is essential to provide financial protection for employees who are injured or become ill due to their work.

Benefits

Workers’ comp in Missouri usually covers:

  • medical expenses, 
  • temporary total disability benefits (when you can’t work because of the injury), permanent partial disability benefits (for lasting impairments), and 
  • permanent total disability benefits (when you can’t work at all).

Filing a Claim

If you’re injured, tell your employer ASAP. They need to report it to their insurance, and you should file a claim with the Missouri Division of Workers’ Compensation within set time limits.

The process generally involves reporting the injury, filing a formal claim within two years from the date of injury, examination of the case, pre-hearing checks, mediation, hearings, and the option for appeal.

Dispute Resolution

If there’s a disagreement about your claim, it’s typically settled through mediation, hearings, or appeals.

Statute of Limitations

There are time limits for filing claims. Missing these could mean losing benefits.

Exclusive Remedy

In most cases, workers’ comp benefits are the only compensation you can get for work-related injuries. This usually means you can’t sue your employer for more.

What Does Workers’ Comp Cover?

Workers’ compensation, commonly referred to as workers’ comp, serves as an insurance plan for employees who sustain injuries or fall ill due to their jobs. Most businesses in Missouri are mandated to have workers’ compensation insurance, offering crucial financial support for both employers and employees in the event of workplace injuries. Here’s what workers’ comp typically covers:

Medical Expenses

This pays for doctor visits, hospital stays, medicines, and therapy needed because of a work-related injury or illness.

Lost Wages

If you can’t work because of a job-related injury or illness, workers’ comp gives you some money to make up for the wages you’re missing.

Disability Benefits

If your injury or illness makes it hard for you to work, you can get temporary or permanent disability benefits. The amount depends on how serious and long-lasting your disability is.

  • Temporary Total Disability (T.T.D.): This applies when an employee is temporarily unable to work due to a work-related injury or illness. During this time, they typically receive a portion of their wage, often around two-thirds of their average weekly wage.
  • Temporary Partial Disability Benefits (TPD): If an employee can only work part-time or perform some tasks due to their injury or illness, they receive benefits equal to two-thirds of the difference between their wages before and after the injury.
  • Permanent Partial Disability (P.P.D.): This compensation is provided when an injury or illness permanently limits an employee’s ability to perform certain tasks but doesn’t prevent them from working altogether. It’s calculated based on the specific impairment and the impact on their ability to work.
  • Permanent Total Disability: This applies when an employee is completely unable to work anywhere due to the severity of their injuries or illness sustained on the job.

Vocational Rehabilitation

Sometimes, workers’ comp helps you learn new skills or get back to work if your injury keeps you from doing your old job.

Death Benefits

If someone dies because of a work-related injury or illness, their family might get help covering funeral costs and financial support.

Remember, the rules for workers’ comp can be different depending on where you live, and there are steps you need to follow to get these benefits. You may need to seek the assistance of a workers’ comp lawyer to help you navigate the system.

How Much Does Workers’ Comp Pay in Missouri?

When you’re receiving Temporary Total Disability (TTD) benefits, they’re usually calculated at 66 2/3% of your average weekly earnings at the time you got injured. However, there’s a maximum amount set by the law that you can receive.

Temporary Total Disability (TTD)

Temporary Total Disability (TTD) benefits are payments you receive if you’re totally unable to work due to a job-related injury or illness, but it’s only temporary. In this case, the maximum amount you can get is calculated based on the average weekly wage in your state, with a cap set at 105% of that average.

For injuries occurring between July 1, 2023, and June 30, 2024, the highest TTD benefit you can receive is $1,186.51 per week. However, even if your earnings were lower, you’ll still get at least $40 a week as a minimum benefit. These payments aim to help you cover your expenses while you’re unable to work, ensuring you have some financial support during your recovery.

Permanent Partial Disability (PPD)

If your doctor determines that you have permanent impairments that only partially affect your ability to work, you may qualify for Permanent Partial Disability (PPD) benefits. These benefits are calculated at two-thirds of your wages before you were injured. However, there’s a maximum amount set by law, which is 55% of the statewide average weekly wage at the time of your injury.

For injuries occurring between July 1, 2023, and June 30, 2024, this means the most you can receive is $621.51 per week. How long you receive these payments depends on how severe your disability is and which part of your body is affected.

Discover What Workers’ Comp Covers: How Our Workers’ Comp Lawyer Can Help You?

It’s common to feel uncertain about the extent of coverage provided by workers’ compensation. If you’re navigating this maze of confusion, seeking guidance from a skilled and experienced workers’ comp lawyer like Jack Adams can be incredibly helpful. At Adams Law Group, we can provide clarity on what workers’ comp covers, assist you in filing claims, and represent your interests if disputes arise. 

If you’re seeking to fully understand what workers’ compensation covers, our skilled team at Adams Law Group is here to assist you every step of the way. Our dedicated workers’ comp lawyers are committed to helping you navigate the complexities of workers’ comp coverage, ensuring you receive the benefits you’re entitled to.

With our valuable knowledge, we can guide you through the intricacies of workers’ compensation, empowering you to take control of your claim. Don’t hesitate to reach out to us for a free consultation. Let us advocate for your rights and help you secure the support you deserve.

Begin your journey toward fair compensation. Contact our workers’ comp lawyer today at Adams Law Group.

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