Workers’ compensation exists to protect employees who suffer injuries or illnesses related to their job. In Missouri, the workers’ compensation system provides several types of benefits designed to support injured workers while they recover and ultimately return to work. At T.K. Thompson & Associates, we can provide legal assistance to the Liberty public and help injured workers pursue the benefits they are entitled to under Missouri law.

Medical Benefits

Missouri workers’ compensation covers all reasonable and necessary medical treatment related to your workplace injury. This includes doctor visits, surgeries, prescriptions, therapy, medical devices, and hospital care. The employer or its insurance company typically selects the authorized treating physician. As long as the treatment is approved and necessary, the insurer is responsible for the cost.

Temporary Total Disability (TTD) Benefits

If your injury prevents you from working at all during your recovery, you may qualify for Temporary Total Disability benefits. TTD provides a partial wage replacement—generally two-thirds of your average weekly wage—until your doctor clears you to resume work or determines you have reached maximum medical improvement.

Temporary Partial Disability (TPD) Benefits

If you can return to work with restrictions but earn less than you did before the injury, Temporary Partial Disability benefits help bridge the gap. TPD payments are based on the difference between your pre-injury earnings and your reduced wages during recovery.

Permanent Partial Disability (PPD) Benefits

When an injury results in lasting impairment but does not completely prevent you from working, you may be eligible for Permanent Partial Disability benefits. Missouri calculates PPD compensation according to a formula that considers the body part affected, the level of disability, and your average weekly wage.

Permanent Total Disability (PTD) Benefits

If you are unable to return to any form of gainful employment due to your injury, you may receive Permanent Total Disability benefits. PTD benefits can be paid weekly for your lifetime or may be settled in a lump sum, depending on the circumstances.

Death Benefits and Funeral Expenses

If a worker tragically dies as a result of a workplace injury or occupational disease, the surviving dependents may qualify for death benefits. These benefits include weekly payments to eligible dependents and coverage for reasonable funeral expenses.

Why Legal Guidance Matters

Workers’ compensation claims can be complex, especially when injuries are severe or the insurance company disputes benefits. At T.K. Thompson & Associates, we can provide legal assistance to the Liberty public and help ensure injured workers understand their rights and receive the benefits they are owed.