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If you’ve been injured in Missouri, you may wonder how long you can receive workers’ compensation benefits. The answer depends on several factors, including the nature of your injury, the extent of your disability, and the benefits you’re eligible for under Missouri law.
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Types of Workers’ Compensation Benefits in Missouri
The length of time you can receive benefits largely depends on the benefits you are awarded. In Missouri, workers’ compensation benefits fall into the following categories:
- Medical Benefits
Workers’ compensation covers all reasonable and necessary medical expenses related to your work injury. This includes doctor visits, hospital stays, surgeries, medications, physical therapy, and even mileage for travel to medical appointments.- Duration: Medical benefits typically continue as long as you need treatment for your work-related injury, with no set time limit, provided the treatment is deemed necessary and authorized by the workers’ compensation insurer.
- Temporary Total Disability (TTD) Benefits
TTD benefits are provided when you cannot work while recovering from your injury. These benefits compensate for lost wages, typically at two-thirds of your average weekly wage, up to a state maximum.- Duration: You can receive TTD benefits until your doctor determines that you have reached maximum medical improvement (MMI), meaning your condition has stabilized and is unlikely to improve with further treatment. Once MMI is reached, TTD benefits typically stop.
- Temporary Partial Disability (TPD) Benefits
You may be eligible for TPD benefits if you can return to work in a limited capacity or at a lower-paying job while recovering. These benefits help cover the difference between your pre-injury wages and your reduced earnings during recovery.- Duration: TPD benefits continue until you reach MMI or return to your previous earning capacity.
- Permanent Partial Disability (PPD) Benefits
PPD benefits are awarded if your injury results in a lasting disability but does not prevent you from working entirely. The amount and duration of PPD benefits depend on the severity of your impairment and how it affects your ability to work.- Duration: PPD benefits are typically paid as a lump sum or in weekly installments based on a schedule outlined by Missouri law. The duration varies depending on the body part injured and the percentage of disability assigned.
- Permanent Total Disability (PTD) Benefits
PTD benefits are for workers who cannot return to any gainful employment due to their injury. These benefits provide lifetime compensation, usually at the same rate as TTD benefits.- Duration: PTD benefits continue for the rest of your life if you cannot work.
- Death Benefits
If a worker dies due to a work-related injury or illness, their dependents may be eligible for death benefits, including compensation for funeral expenses and weekly payments to the surviving spouse or dependents.- Duration: Dependents can typically receive benefits for a set period or until specific conditions are met, such as the spouse remarrying or dependents reaching a certain age.
Factors That Can Affect the Duration of Benefits
Several factors can influence how long you receive workers’ compensation benefits in Missouri, including:
- Severity of Your Injury: More severe injuries that result in long-term disability or permanent impairment often result in longer benefit durations.
- Compliance with Medical Treatment: It is critical to follow your doctor’s prescribed treatment plan. Failure to comply may result in termination of benefits.
- Reaching Maximum Medical Improvement (MMI): Once you reach MMI, your TTD or TPD benefits may stop, and you may transition to PPD or PTD benefits if applicable.
- Employer’s Return-to-Work Program: Some employers offer modified or light-duty work to help injured employees return to work sooner, which could reduce the duration of certain benefits.
- Disputes or Denials: If your employer or their insurance company disputes your claim or the extent of your injury, it may delay or limit the benefits you receive.
What Happens If Your Benefits Are Terminated Early?
If you believe your benefits were terminated prematurely or if you are denied benefits, you have the right to dispute the decision. Common reasons for early termination include claims of non-compliance with treatment, disputes about reaching MMI, or disagreements about your ability to work. In these cases:
- File a Claim for Compensation: You can file a formal claim with the Missouri Division of Workers’ Compensation to contest the termination.
- Request a Hearing: If necessary, a workers’ compensation judge can review your case and decide whether your benefits should be reinstated or extended.
How to Ensure You Receive the Full Duration of Benefits
To maximize the duration and amount of your workers’ compensation benefits, follow these tips:
- Report Your Injury Promptly: Notify your employer immediately to ensure your claim is filed correctly and on time.
- Follow Your Doctor’s Orders: Adhere strictly to the treatment plan and attend all scheduled appointments.
- Keep Detailed Records: Document your injury, treatment, and any correspondence with your employer or the insurance company.
- Consult an Experienced Workers’ Compensation Attorney: An attorney can help you navigate the claims process, advocate for your rights, and ensure you receive the full benefits you’re entitled to.
Get Help with Your Workers’ Compensation Claim
If you’ve been injured at work and have questions about how long you can receive workers’ compensation benefits, the Law Office of James M. Hoffmann is here to help. With over 30 years of experience in Missouri workers’ compensation law, we can guide you through every step to ensure you get the benefits you deserve. Call us today at (314) 361-4300 or fill out our online contact form for a free consultation. Let us help you secure the compensation you need to focus on your recovery.