Workers' Compensation Training For Insurance Agents In Missouri

Improve Your Workers' Compensation Skills: Learn About Missouri Workers Compensation Law

Are you currently working as a Workers' Compensation professional? Do you need to know more about the Workers' Compensation state laws and statutes in Missouri? Or would you like to pursue a professional designation and earn the Workers' Compensation Specialist (WCS) designation?

What Are The Workers Compensation Insurance Requirements In Missouri? Which Missouri Employers Are Required To Provide Workers Compensation Insurance?

Missouri employers are required to carry workers' compensation insurance if they have five or more employees unless they are in the construction industry, where they are required to carry the workers' compensation insurance if they have one or more employees.

What Role Does An Insurance Agent Play In Missouri Workers Compensation?

At a base level, insurance agents should be knowledgeable on Missouri workers compensation law, be able to explain to their clients how workers compensation in Missouri works, understand their clients' past and potential claims, then be able to get quotes for coverage.

Insurance Agents also should understand the state's workers comp rules and requirements, how to deal with accommodation and return-to-work requests, management of the claim, proper account handling procedures, and how to fight fraudulent claims. Read below for training courses that teach you and your clients how to do that and more!

Missouri Workers' Compensation Rules and Requirements

Coverage Requirements

Missouri requires employers with five (5) or more employees to carry Workers’ compensation insurance. However, in the construction industry, coverage is required with one (1) or more employees.

Employers Required To Carry Coverage

Coverage generally applies to:

• Employers with 5 or more employees (most industries)
• Employers with 1 or more employees in construction
• Full-time, part-time, seasonal, and temporary workers
• Most private employers and nonprofits once thresholds are met
• Out-of-state employers with employees working in Missouri
• Most industries including retail, healthcare, manufacturing, and services

Common Exemptions

Some workers and employers may be exempt, including:

• Employers with fewer than required employees (except construction rules)
• Sole proprietors (unless they elect coverage)
• Partners in a partnership
• Certain corporate officers (may elect exclusion)
• LLC members (may be excluded depending on structure and filing)
• Domestic workers in private homes (often excluded)
• Certain agricultural workers depending on circumstances
Employer Responsibilities

Employer Responsibilities

Employers must:

• Obtain Workers’ compensation insurance or qualify as self-insured
• Maintain continuous coverage
• Pay the full insurance premium (employees cannot be charged)
• Post required Workers’ compensation notices in the workplace
• Report workplace injuries promptly to the insurer
• File required reports with the Missouri Division of Workers’ Compensation when necessary
• Maintain payroll and injury records for audits and compliance

Employee Responsibilities

An injured worker should:

• Report the injury to the employer as soon as possible
• Seek authorized medical treatment
• Follow medical restrictions and treatment plans
• Participate in return-to-work or light-duty programs when able

Benefits Available

Covered employees may receive:

• Medical treatment (doctor visits, surgery, prescriptions)
• Temporary total disability benefits (wage replacement)
• Temporary partial disability benefits
• Permanent partial disability benefits
• Permanent total disability benefits
• Vocational rehabilitation services
• Death benefits for dependents
• Funeral expenses (in qualifying cases)

Wage Replacement

• Typically two-thirds of the employee’s average weekly wage
• Subject to Missouri statutory minimum and maximum benefit limits
• Paid during periods of disability due to work-related injury

Statute of Limitations

Generally:

• Claims must be filed within 2 years from the date of injury, or
• Within 3 years if a report of injury is filed, depending on circumstances

Self-Insurance

Employers may self-insure if they:

• Demonstrate strong financial stability
• Obtain approval from the Missouri Division of Workers’ Compensation
• Post required security (bond or deposit)
• Maintain claims-handling capability

Penalties For NoncomplianceEmployers without required coverage may face:

• Civil penalties and fines
• Stop-work orders
• Liability for all workers’ compensation benefits directly
• Possible criminal penalties for intentional violations
• Additional enforcement actions by the state

State Agency

Workers’ compensation is administered by the Missouri Division of Workers’ Compensation (DWC).

Additional Resources:

FAQs | Blogs | Glossaries | Compliance Checklist
State-Specific Requirements | Certification Programs | FMLA/ADA Integration | Specialty Webinars

Missouri Workers' Compensation Training Courses

Workers Comp Training Seminars And Webinars

Listed below are some of our best-selling Workers Comp seminars and webinars. You attend seminars in-person at a specific date, time, and venue. Webinars are available in live, CD, and OnDemand formats.

• Workers' Comp Training Seminar
• Workers' Comp 101: The Whats, Whens, And Whys
• Tips For Tracking, Monitoring, And Managing Your Workers' Comp Claims
• Workers' Comp Cost Savings Tips
• Return-To-Work Strategies
• Tips That Strengthen Your Workers' Comp Program

Online Workers Comp Training Courses

The following are online courses you can take anywhere with Internet access:

Integrating FMLA, ADA, COBRA, And Workers' Compensation Training & Certification Program

Find Workers Comp Training Courses

Select one of the recommended courses below or use the search box to find additional workers compensation training courses.