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Mississippi Workers’ Compensation Laws
Small businesses with five or more employees in Mississippi need workers’ compensation insurance.1 This coverage can help provide benefits to your employees if they get injured or ill from working. For example, if your employee falls off a ladder at work, your workers’ comp coverage can help pay for their medical benefits.
Mississippi workers’ comp can also help cover expenses related to:
- Employee’s missed wages when they need time off to recover from a work-related injury or illness
- Lawsuits filed against your business due to work-related injuries or illnesses
- Funeral costs in the unfortunate event of an employee dying in a work-related incident
Is Workers’ Compensation Required in MS?
If your Mississippi business has five or more employees, you’ll need workers’ compensation coverage. There are a few exemptions to workers’ comp requirements in Mississippi. Employers that do not need workers’ comp insurance include:1
- Domestic laborers
- Farm laborers
- Non-profit employees
- Employees of charitable organizations
- Employees of religious or cultural organizations
- Independent contractors
- Federal employees
- Certain maritime or transportation employees that have coverage from federal compensation laws
What Are the Penalties for Not Carrying Mississippi Workers’ Compensation?
If you don’t have workers’ compensation insurance in Mississippi, it’s considered a misdemeanor that carries a fine up to $1,000 or in some cases, up to a year in jail. In addition, the MS workers’ compensation commission can assess a fine up to $10,000 to employers who fail to secure coverage for employees.
Also, corporate officers may be required to pay workers’ comp benefits out of pocket, which can put you at risk to potential lawsuits if a work-related accident occurs.
How Does Workman’s Comp Work in Mississippi?
In addition to helping your employees, workers’ comp can help protect the business you’ve worked hard to build. In Mississippi, workers injured on the job can immediately file a claim against you. In cases like these, your insurance coverage can be your best form of protection.
If one of your employees becomes ill or injured on the job, workers comp insurance can help pay for their medical treatment and provide disability benefits of up to two-thirds of their weekly salary while they can’t work. Keep in mind that workers’ comp benefits can also be broken down into temporary or permanent benefits.
Without the right coverage, you can face fines or criminal charges. Luckily, you can get the insurance coverage you need by working with a private insurance company like us. To learn more, obtener una cotización hoy mismo.
What Are the Temporary Disability Benefits of MS Workers’ Comp?
Temporary disability covers your injured employee if they’re unable to work for over a week but expected to return to work after healing. In this circumstance, your employee can receive compensation for their lost wages while their off work recovering. The state of Mississippi classifies temporary disability benefits in two ways:
- Temporary Total Disability (TTD): These benefits are paid when the employee is completely unable to work and receive up to 66-2/3% of their average weekly wage before the injury or illness occurred.
- Temporary Partial Disability (TPD): These benefits are paid when your injured or ill employee is partially able to work before their date of maximum medical improvement has been reached. This typically results in a partial decrease in their earnings from their average weekly age before the injury or illness occurred. The employee then may receive compensation payments of 66-2/3% of the difference between the pre-injury average weekly wage and their wage-earning capacity after the injury.
What Are the Permanent Disability Benefits of MS Workers’ Comp?
Once an injured or ill employee reaches maximum medical improvement while on temporary disability, their doctor will decide whether they have permanent partial or total disability. Both types are subject to a maximum weekly amount and to certain time limits. Permanent total disability benefits are paid at the same rate as temporary total disability benefits and have a maximum length of 450 weeks. The state classifies these benefits in two ways:
- Permanent Partial Disability (PPD): If a work-related injury results in an employee’s permanent impairment, but they’re not totally disabled, they may qualify for PPD benefits. State law will calculate this in a specific way. Injuries to certain body parts and the degree of permanent disability will determine both the maximum number of weeks allowed and the amount of benefits paid.
- Permanent Total Disability (PTD): These benefits are paid to employee if their workplace injury causes a total loss in a person’s earning capacity and ability to work. PTD benefits are paid for 450 weeks from and after the date of injury and are subject to maximum amounts.
What Are the Death Benefits for Mississippi Workers' Compensation?
Death benefits are provided in cases where a workplace accident or illness causes the untimely death of an employee. These benefits are paid based on the percentage of the deceased employee’s weekly wages. They’re paid out every two weeks, up to a maximum of 450 weeks, to surviving qualifying dependents. Employers also pay funeral expenses as a part of the death benefits up to $5,000, and an immediate one-time payment of $1,000 to the surviving spouse.
What Does Mississippi Workers’ Compensation Cover?
Workers’ compensation insurance in Mississippi can help cover:
- Accidents or injuries that occur on the job. For example, if an employee sprains their ankle on the job, workers’ comp can help cover their medical care.
- Illnesses that result from the job, like an employee getting sick from harmful chemicals.
- Repetitive injuries from repeated stress and strain. Tendonitis is one example of a repetitive stress injury.
If one of your employees experiences a workplace injury or illness, Mississippi workers’ compensation can help cover:
- Missed wages if your employee needs time off to recover from a work-related injury or illness. Employees in Mississippi can receive wage loss benefits equal to as much as two-thirds of their average weekly wage.1
- Ongoing care, such as physical therapy, if your employee suffers a severe injury with a longer recovery.
- Funeral expenses if an employee dies in a job-related incident. Death benefits are payable to the employee’s family every 14 days and can continue for up to 450 weeks.1
- Disability benefits if your employee suffers an on-the-job injury and becomes temporarily or permanently disabled. Workers’ comp can help provide medical benefits and disability payments while they recover.
How Much Does MS Workers’ Comp Insurance Cost?
The cost of workers’ compensation can vary. Some factors that can impact the amount you’ll pay for workers’ compensation in Mississippi include your:
- Business’ size
- Employees’ type of work
- Claims history
- Límites de la cobertura
- Number of employees
- Business location
To learn more about how much you’ll need to pay, obtener una cotización from us today.
Who Is Eligible for Workers’ Compensation Benefits in MS?
In Mississippi, your employees are eligible for workers’ compensation benefits as soon as they start their job. There is no waiting period or minimum earnings requirement.2
As the employer, you’ll need to make detailed, accurate reports of any injuries. Once you complete your report, you should submit it to your insurance carrier and the Mississippi Workers’ Compensation Commission.1
All injured employees should notify their employer of an injury within 30 days. If your employee doesn’t file a claim for benefits within two years of the date of injury or illness, they can no longer receive benefits for it.1
File a MS Workers’ Compensation Claim
To file a workers’ comp claim in Mississippi, visit our workers’ compensation claims page today.
How Can I Get MS Workers' Compensation?
We’re an insurance company with over 200 years of experience helping protect businesses like yours. We provide workers’ compensation insurance throughout Mississippi. So, no matter where you’re located in the state, from Jackson to Gulfport to Southaven, Biloxi and everywhere in between, learn how we can help protect your business. Get a workers’ comp quote today.
Última actualización: 19 de agosto de 2024
This article provides general information, and should not be construed as specific legal, HR, financial, insurance, tax or accounting advice. As with all matters of a legal or human resources nature, you should consult with your own legal counsel and human resources professionals. The Hartford shall not be liable for any direct, indirect, special, consequential, incidental, punitive or exemplary damages in connection with the use by you or anyone of the information provided herein.
1 Mississippi Worker’s Compensation Commission, “Mississippi Workers’ Compensation Facts”
2 Mississippi Workers’ Compensation Commission, “Compilation of the Rules of the Mississippi Workers’ Compensation Commission”
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