Workers in Missouri are protected under the state’s workers’ compensation system if they experience a job-related injury or illness. This system provides medical treatment and wage loss benefits to injured employees, helping them recover without needing to file a traditional lawsuit. Understanding how Missouri’s system works can help you take the right steps after a workplace injury.
Who Is Covered?
Missouri law requires most employers with five or more employees to carry workers’ compensation insurance. If you’re in the construction industry, the rule applies if you have even one employee.
Covered workers typically include:
- Full-time and part-time employees
- Seasonal and temporary workers
- Some apprentices
Independent contractors, certain real estate agents, and domestic workers are generally not covered, though misclassification issues can arise.
Employer Responsibilities
Employers must:
- Maintain valid workers’ compensation insurance or be authorized to self-insure
- Report workplace injuries to the Division of Workers’ Compensation within 30 days
- Post notice of employee rights under Missouri law
Failure to comply can result in penalties and leave the employer liable for civil lawsuits from injured workers.
Types of Benefits Available
If you suffer an injury or illness at work, you may qualify for several types of benefits:
- Medical Benefits: Coverage for all authorized medical care related to your injury or condition. Employers have the right to choose your doctor.
- Temporary Total Disability (TTD): Wage replacement if you can’t work at all during recovery. Typically two-thirds of your average weekly wage, up to a cap.
- Temporary Partial Disability (TPD): Partial benefits if you return to work with reduced hours or wages.
- Permanent Partial Disability (PPD): Compensation for permanent injuries that don’t prevent you from working entirely.
- Permanent Total Disability (PTD): Benefits for those unable to return to any employment.
- Vocational Rehabilitation: May be offered in certain cases to help you transition to a different type of work.
- Death Benefits: Provided to surviving dependents of workers who die due to workplace injuries.
Reporting and Filing Deadlines
Missouri workers must:
- Report the injury to their employer within 30 days of the accident or diagnosis
- File a formal claim with the Division of Workers’ Compensation within two years from the date of injury or the last benefit payment (three years if the employer failed to file a report)
Failing to meet deadlines may result in losing your right to benefits.
Choosing a Medical Provider
In Missouri, your employer has the right to select your treating physician. If you choose to see a different doctor without approval, you may be responsible for the costs. However, second opinions or independent medical evaluations are possible in disputes.
Common Injuries Covered
The Missouri system covers a wide range of work-related injuries and illnesses, such as:
- Repetitive motion injuries
- Burns and chemical exposures
- Falls and blunt-force trauma
- Machinery-related accidents
- Stress-related physical conditions
Mental health conditions may also be covered if they result from physical trauma or a clear, work-related incident.
Disputes and Appeals
If your claim is denied or you disagree with the benefits offered:
- Attempt to resolve it through informal discussion with your employer or insurer
- Request a conference with an administrative law judge
- Proceed with a formal hearing or appeal through the Missouri Labor and Industrial Relations Commission
Legal representation is not required but is highly recommended.
Legal Help for Missouri Workers
Hiring a Missouri workers’ compensation attorney can help if:
- Your claim is denied or delayed
- You’re being pressured to return to work too soon
- You’re offered a low settlement
- Your employer retaliates for filing a claim
Most workers’ comp attorneys offer free consultations and work on a contingency basis.
Protect Your Rights After a Work Injury
If you’ve been hurt at work in Missouri, act quickly to report the injury, follow approved medical treatment, and explore your legal options. Getting the right support early can make all the difference in your recovery and financial future.