If you’ve been injured at work, it’s important to know that workers’ compensation is designed to protect you and your employer. Below we go over what you need to know about workers’ compensation in Mississippi.
Who Is Eligible For Workers’ Compensation In Mississippi?
Almost every employee is covered by workers’ compensation in Mississippi. Some exceptions include non-profit employees, farm workers, and domestic workers.
An employee who has suffered an injury or occupational illness during their employment and meets the eligibility requirements mentioned above is covered under workers’ compensation. Examples of injuries include: back or shoulder injuries, broken bones, burn injuries, and traumatic brain injuries. Examples of occupational illnesses include repetitive motion injuries like carpal tunnel or cancer due to asbestos exposure.
Reporting To The Mississippi Workers’ Compensation Commission
If you have missed more than 5 days of work due to an injury that could result in death, disfigurement, or permanent disability, you should report it to the Mississippi Workers’ Compensation Commission.
- You must report your injuries within 10 days of the 5 day time lapse.
- You should also notify your employer of your injury.
- Within 10 days of your employer being notified of your injury, you or your employer should file a First Report of Injury or Illness Form with the Mississippi Workers’ Compensation Commission.
How Do I Receive Workers’ Compensation Benefits In Mississippi?
To receive benefits, you must report your injury to your employer within 30 days of your injury. Once you report to your employer, they will notify their insurance provider. The insurance company will then accept or deny your claim for benefits.
What Benefits Can I Receive?
There are three types of disability benefits that you may be eligible for in Mississippi.
- Temporary disability benefits are given if you need time off from work to recover from your injuries. This will account for two-thirds of your average weekly wages. These benefits usually are available for a maximum of 450 weeks unless your doctor finds that your condition has improved as much as it is going to and/or you are able to return to work.
- Permanent total disability benefits are available to those who have suffered the most serious injuries, such as the loss of a limb. These benefits are also paid at the two-thirds wage rate and are available for 450 weeks maximum.
- Permanent partial disability benefits are given if you are not completely disabled but have a permanent impairment. The duration of these benefits depends on the body part injured and percentage of loss of use. This type of benefit is also available for a maximum duration of 450 weeks.
What If My Claim Is Denied?
If your claim for benefits is denied by your employer’s insurance provider, you can file a petition with the Mississippi Workers’ Compensation Commission. This will include a hearing and a written decision made by a workers’ comp judge. When it comes to this point, it is especially important to consult with a Mississippi workers’ compensation attorney, like those at Haug, Farrar & Franco, PLLC. They will know exactly what to do and guide you through the process of pursuing the path that will most likely lead to maximum benefits for you.