Workers' Compensation

​In Missouri, workers’ compensation is a state-mandated insurance program that provides benefits to employees who suffer job-related injuries or illnesses. It is designed to cover medical expenses, lost wages, rehabilitation, and other related costs, ensuring that employees receive the necessary care and financial support during recovery. In return, employees generally forfeit the right to sue their employer for negligence.

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Employer Duties to Injured Employees

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1. Insurance Coverage: Employers in Missouri are required to carry workers' compensation insurance or be authorized as self-insured. This ensures that all work-related injuries are covered under the law.

2. Immediate Medical Attention: Employers must provide prompt medical treatment to injured employees. Employers have the right to choose the healthcare provider for the treatment of the injury, though the employee may seek a second opinion at their own expense.

3. Reporting the Injury: Once an injury is reported, the employer must file a report with the Missouri Division of Workers’ Compensation within five days. Failure to do so can result in penalties.

4. Wage Replacement: If an employee is unable to work due to the injury, employers must ensure wage replacement through the workers' compensation insurance system. Temporary Total Disability (TTD) or Temporary Partial Disability (TPD) payments are provided depending on the employee's work status and injury.

5. Return to Work: Employers are required to provide reasonable accommodations to facilitate the employee's return to work, whether through light duty or modified job responsibilities, as recommended by the treating physician.

6. Anti-Retaliation Protections: Missouri law prohibits employers from retaliating against employees for filing workers' compensation claims. Employers cannot terminate, demote, or harass employees for seeking benefits under the system.

7. Permanent Disability Compensation: If an employee’s injury results in a permanent disability, the employer must ensure that compensation is provided, either in the form of Permanent Partial Disability (PPD) or Permanent Total Disability (PTD), based on the severity and impact of the injury.

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In summary, Missouri workers' compensation law places clear duties on employers to protect and support injured employees. Compliance is crucial to ensure employees are treated fairly and businesses avoid potential penalties or legal liabilities.