Missouri's workers' compensation disability chart differs from other states by its three‑tier structure: temporary total disability (TTD), temporary partial disability (TPD), and permanent partial disability (PPD). The chart dictates benefit percentages and the duration of payments based on medical evidence and the employee's ability to work. Employers and employees must follow strict filing deadlines and provide documentation to avoid delays.
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1. Temporary Total Disability (TTD)
TTD applies when an employee cannot perform any job duties due to injury. Benefits are 50% of the employee's average weekly wage, capped at a state‑set maximum. The chart requires proof of medical incapacity and a return‑to‑work plan. TTD can last up to 52 weeks, but a medical review may shorten or extend the period.
2. Temporary Partial Disability (TPD)
When an employee can perform some duties but not at full capacity, TPD kicks in. Benefits range from 25% to 45% of the average weekly wage, depending on the degree of functional limitation. Employers must provide a suitable job or modified duties; failure to do so can trigger penalties.
3. Permanent Partial Disability (PPD)
PPD is awarded for lasting impairment that reduces earning potential. The chart lists specific impairment codes with corresponding benefit percentages. PPD payments are typically 50% of the average weekly wage, subject to a maximum cap, and are paid for life or until a specified age.
Key Dates and Filing Requirements
- Report injury within 30 days of occurrence.
- Submit initial claim within 60 days of the injury date.
- Provide medical records by the insurer's 90‑day review deadline.
Common Pitfalls to Avoid
- Missing the 30‑day injury report window.
- Failing to submit required medical documentation.
- Not following up on insurer's requests for additional evidence.
How the Chart Affects Small Businesses
Small employers must keep accurate wage records and promptly submit claim forms. Failure to comply can result in higher premiums and potential liability for unpaid wages. Utilizing a local GMB listing to highlight compliance can improve trust with employees and insurers.
Resources for Claimants
- Missouri Department of Labor & Industrial Relations: https://dol.illinois.gov/
- Workers' Compensation Appeals Board: https://www.michigan.gov/wcb
| Disability Type | Benefit % | Duration |
|---|---|---|
| TTD | 50% | Up to 52 weeks |
| TPD | 25‑45% | Varies by case |
| PPD | 50% | Lifelong or until age limit |