Answers to common questions about Missouri workers’ comp

Answers to common questions about Missouri workers’ comp

Answers to common questions about Missouri workers’ comp

If you suffer a workplace injury or develop a work-related illness, you can apply for benefits through the Missouri workers’ compensation program. The state Department of Insurance administers this program.

These are the answers to the questions workers frequently ask about Missouri workers’ comp.

Am I covered?

The state requires all companies with at least five employees to have workers’ compensation insurance. If you work for a contractor, he or she must also have coverage. However, you do not have coverage if you are a sole proprietor. Missouri’s program covers both full-time and part-time workers as well as temporary, seasonal and permanent employees.

How do I report an injury?

You must tell your employer within 30 days of diagnosis of a work-related illness or occurrence of an injury at work. Otherwise, you could lose your eligibility for workers’ compensation benefits. You can use the form provided by your employer or a form from the state, but you must report the injury or illness in writing

Can I see my own doctor?

After reporting your injury, you must see the health care provider chosen by your employer. The workers’ comp policy may not cover care given by a different doctor.

What type of benefits are available?

If you have a covered illness or injury, you may receive:

  • Medical devices, tests and treatments as authorized by the designated health care provider
  • Reimbursement for transportation costs for medical appointments outside your city
  • Temporary total disability payments to cover lost wages, calculated at 66 2/3% of your average weekly wage up to the Missouri maximum
  • Permanent total disability payments to cover lost wages, calculated at 66 2/3% of your average weekly wage up to the Missouri maximum
  • Lump-sum compensation for permanent partial disability

Individuals who have a disease caused by toxic workplace exposure or a subsequent claim after a previous workplace injury may be eligible for additional benefits. If a dispute with your employer arises during the claim process, you have the right to pursue dispute mediation, a hearing before an administrative law judge or a legal claim.