In Missouri, Workers’ Compensation Benefits are calculated based on a worker’s average weekly wage and injury severity.
Understanding how Missouri workers’ compensation benefits are calculated is crucial for anyone who has suffered a workplace injury. The process involves several factors and formulas that determine the compensation an injured worker can receive.
Types of Workers’ Compensation Benefits in Missouri
In Missouri, workers’ compensation benefits fall into three main categories:
- Medical Benefits: These cover all necessary medical treatments for your workplace injury or illness without cost.
- Disability Benefits: These are designed to compensate for lost wages due to temporary or permanent disability. Disability benefits are further classified into:
- Temporary Total Disability (TTD)
- Temporary Partial Disability (TPD)
- Permanent Total Disability (PTD)
- Permanent Partial Disability (PPD)
- Death Benefits: Offered to the dependents of a worker who dies as a result of a work-related injury or illness.
Calculating Disability Benefits
Disability benefits are calculated based on the worker’s average weekly wage (AWW), the severity of the disability, and specific state-defined compensation rates.
- Average Weekly Wage (AWW): The AWW is generally calculated based on the gross wages (including overtime, bonuses, etc.) you earned in the 13 weeks before your injury, divided by 13. If you worked less than 13 weeks, the AWW is calculated based on a similar employee’s earnings in the same period.
- Temporary Total Disability (TTD): TTD benefits are paid at 66 2/3% of your AWW, subject to state maximum limits if you cannot work temporarily. These benefits continue until you can return to work or reach maximum medical improvement (MMI).
- Permanent Partial Disability (PPD): For permanent injuries that don’t completely limit your ability to work, PPD benefits are calculated by considering the percentage of disability assigned to your injury, your AWW, and a multiplier specific to the body part affected as outlined in Missouri’s workers’ compensation statutes.
- Permanent Total Disability (PTD): If you cannot return to any employment, PTD benefits are paid at the same rate as TTD for the remainder of your life.
Death Benefits
In the tragic event of a work-related death, dependents may receive benefits calculated at 66 2/3% of the deceased worker’s AWW for the year immediately preceding the fatal accident, subject to a cap. Missouri’s workers’ compensation laws also provide for funeral and burial expenses up to $5,000.00.
Speak With a St. Louis Workers Compensation Attorney
Calculating workers’ compensation benefits in Missouri involves navigating a complex set of rules and formulas. If you or a loved one are dealing with a workplace injury, it’s important to have knowledgeable support to ensure you receive the full benefits you’re entitled to.
At the Law Office of James M. Hoffmann, we are committed to guiding Missouri workers through the intricacies of workers’ compensation claims. Our team has been dedicated to advocating for the rights of injured workers for over 30 years. If you’re seeking assistance with your workers’ compensation claim, don’t hesitate to reach out. Call us today for a free consultation, and let us help you secure the benefits you deserve.