Missouri & Illinois Workers’ Compensation FAQs
How long do I have to report a work injury in Missouri?
You must give your employer written notice within 30 days of the injury (or within 30 days of learning an occupational disease or repetitive-trauma condition is work-related). Missing that window can jeopardize your benefits, so report it in writing and keep a copy.
How long do I have to file a workers’ compensation claim in Missouri?
Generally 2 years from the date of injury or the last payment made on the claim to file a Claim for Compensation with the Missouri Division of Workers’ Compensation. That period extends to 3 years if your employer or its insurer did not timely file the First Report of Injury. Do not wait — the deadline is strict.
What if I was injured in Illinois instead?
Illinois gives you 45 days to notify your employer, and generally 3 years from the injury (or 2 years after the last compensation payment, whichever is later) to file with the Illinois Workers’ Compensation Commission. NMN handles comp cases in both Missouri and Illinois, and where you file can change your benefits — ask before you file.
How much will workers’ comp pay me while I’m off work in Missouri?
Temporary total disability (TTD) pays 66⅔% of your average weekly wage, up to a state-set maximum (105% of the state average weekly wage), for as long as you are temporarily unable to work. Medical treatment for the work injury is paid by your employer/insurer, separate from the wage benefit.
Can I choose my own doctor?
In Missouri, your employer/insurer generally selects the authorized treating physician and pays for that care. Treatment you arrange on your own, without approval, may be at your own expense. If you disagree with the authorized doctor’s findings, talk to a lawyer about an independent medical examination or second opinion.
How is a Missouri workers’ comp settlement calculated?
Most settlements turn on permanent partial disability (PPD): once you reach maximum medical improvement, a disability rating is assigned to the injured body part, and that rating — combined with your wage rate — drives the lump-sum value. Ratings are frequently disputed, and a low rating is the most common reason settlements come in under value.
What if my claim is denied?
A denial is not the end. You can request a conference or hardship hearing before an Administrative Law Judge at the Missouri Division of Workers’ Compensation, present medical evidence, and appeal an adverse award. Strict deadlines still apply, so a denied claim is the point to get counsel involved, not to wait.