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DED Home  >  Business and Community Services Home  >  Business Solutions  >  Managing and Growing Your Business  >  Employer Resources  >  Workers Compensation

Workers Compensation

In every state, business and industry incur some expense to provide their employees with workers’ compensation coverage.  In Missouri, all businesses, with some exceptions, with five or more employees must provide workers’ compensation insurance to protect their workers in case of job-related injury, illness, or death.  Companies can offer this protection through a private insurance carrier or they can become self-insurers.  Premium rates vary, depending on the risks associated with special occupations. 

As in most states, the premium rates apply to an employee's total annual salary.  The maximum weekly benefit for temporary total disability, temporary partial disability, permanent total disability and death is currently computed as 105% of the average weekly wage, determined annually on July 1.  Missouri's workers’ compensation rates compare favorably with those in other states.  Though benefits for claimants in other states usually increase automatically from year to year, in Missouri benefits cannot be increased without the review and approval of the state legislature. 
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Workers Compensation Rates