Missouri Workers' Comp Benefits Calculator 2026
Injured at work in Missouri? You may be entitled to workers' compensation benefits. Missouri pays 66.7% of your average weekly wage as a weekly benefit, up to a maximum of $974/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Missouri employers with 5+ employees must carry coverage. Benefits can last up to 400 weeks for temporary total disability.
Your Situation
Tell us about your state and wages to calculate your benefits.
Optional — helps calculate your waiting period start date.
Your gross wages for the 13 weeks before injury, divided by 13. Include overtime, bonuses, and tips if they were regular.
Missouri Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $974/week |
| Minimum Weekly Benefit | $40/week |
| Benefit Rate | 66.7% of AWW |
| Waiting Period | 3 days |
| Retroactive After | 14 days |
| Filing Deadline | 730 days from injury |
| Max Duration (TTD) | 400 weeks |
| State Average Weekly Wage | $974/week |
| WC Board Phone | 1-573-751-4231 |
Source: Missouri Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Missouri: Key Numbers for 2026
State Avg Weekly Wage
$974
Max Weekly Benefit
$974
Benefit Rate
66.7%
Max Duration
400w
Common Workplace Injuries in Missouri — Average Compensation
Based on Missouri's average weekly wage of $974 and the state's 66.7% benefit rate, here are estimated compensation ranges for the most common workplace injuries:
| Injury Type | Avg Medical Cost | Avg Lost Wages | Typical Total |
|---|---|---|---|
| Back / Spine Injury | $13,459 | $19,481 | $32,940 |
| Shoulder Injury | $10,980 | $14,286 | $25,266 |
| Knee Injury | $9,563 | $11,689 | $21,252 |
| Neck / Whiplash | $8,146 | $10,390 | $18,536 |
| Carpal Tunnel / Wrist | $4,959 | $7,143 | $12,102 |
| Fracture (Arm/Leg) | $6,552 | $9,091 | $15,643 |
| Head / Concussion | $12,219 | $15,585 | $27,804 |
Estimates based on Missouri 2026 workers' comp benefit rate (66.7% of AWW, capped at $974/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Missouri?
In Missouri, workers' comp pays 66.7% of your average weekly wage, up to a maximum of $974/week. The minimum weekly benefit is $40/week.Missouri has a 3-day waiting period before benefits begin, and TTD benefits can last up to 400 weeks.
Missouri Workers' Compensation Rates 2026
Workers' comp insurance rates in Missouri vary by industry and job classification. Here are estimated rates per $100 of payroll:
| Job Category | Rate per $100 Payroll |
|---|---|
| Office / Clerical | $0.25 |
| Restaurant / Food Service | $1.50 |
| Healthcare / Nursing | $1.75 |
| Manufacturing | $2.50 |
| Trucking / Delivery | $4.50 |
| Construction (General) | $6.50 |
| Roofing | $12.00 |
Rates are estimates and vary by insurer, experience modifier, and specific classification code. Contact your insurance carrier for exact quotes.
How Much Does Workers Comp Cost Employers in Missouri?
The cost of workers compensation insurance in Missouri depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Missouri businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $310 |
| Retail / Sales | $750 |
| Restaurant / Food Service | $1,330 |
| Healthcare | $1,550 |
| Manufacturing | $2,480 |
| Warehouse / Logistics | $3,410 |
| Construction (General) | $4,870 |
| Roofing (Highest Class) | $11,070 |
*Per-employee estimate based on Missouri's average weekly wage of $974. Your actual cost varies by carrier, experience modifier, and specific class code.
Need an exact quote? Our workers comp insurance cost calculator estimates your premium based on state, industry, payroll, employee count, and experience modifier.
How Workers' Comp Benefits Are Calculated in Missouri
In Missouri, workers' comp benefits are 66.67% of your average weekly wage. The maximum weekly benefit is $974 and the minimum is $40. If you earn $1,200 per week, your benefit would be $1,200 x 66.67% = $800 per week, which falls under the Missouri cap.
Missouri has a 3-day waiting period. If your disability lasts more than 14 days, those first 3 days are paid retroactively. TTD benefits in Missouri can last up to 400 weeks (about 7.7 years), one of the longer durations in the country.
Missouri's long benefit duration helps workers with serious injuries. Workers' comp benefits in Missouri are tax-free.
Missouri Workers' Comp Laws You Must Know
- •Missouri employers with 5 or more employees must carry workers' comp insurance.
- •Missouri has a 2-year statute of limitations for filing workers' comp claims.
- •In Missouri, the employer selects the treating physician.
- •TTD benefits in Missouri can last up to 400 weeks.
- •Benefits are 66.67% of AWW, up to $974 per week.
- •Missouri law prohibits employers from retaliating against workers who file claims.
- •Missouri provides permanent partial disability benefits based on body part ratings.
How to File a Workers' Comp Claim in Missouri
- 1Report your injury to your employer as soon as possible. Missouri requires timely notification for claim protection.
- 2See the doctor directed by your employer. Missouri gives employers the right to choose the treating physician.
- 3Your employer must report the injury to their insurer and the Missouri Division of Workers' Compensation.
- 4The insurer will accept or deny the claim. Benefits start after the 3-day waiting period.
- 5If denied, file a claim with the Missouri Division of Workers' Compensation at 1-573-751-4231.
Need help filing? Visit the Missouri Workers' Comp Board or call 1-573-751-4231 for assistance.
Special Rules in Missouri
- ⚠Employers with 5+ employees must have coverage
- ⚠Up to 400 weeks of TTD
- ⚠Employer selects treating physician
- ⚠2-year statute of limitations
Average Workers' Comp Settlement in Missouri
Settlement amounts in Missouri vary widely based on injury severity, disability rating, and medical costs. Workers with minor sprains typically settle for $10,000–$30,000, while those with herniated discs or surgical injuries can receive $50,000–$200,000 or more. Use our settlement calculator to estimate your specific case.
Related Resources
Settlement Calculator
Estimate your workers' comp settlement amount
Average Settlement Amounts
See average settlements by injury type and state
How Benefits Are Calculated
Step-by-step formula with examples
Claim Denied?
What to do if your workers' comp is denied
Last updated: April 2026. Data sourced from the Missouri Workers' Compensation Board.
Find a Workers' Comp Attorney in Missouri
Need Legal Help With Your Missouri Claim?
If your claim was denied, your employer is disputing your injury, or you need help negotiating a fair settlement, a workers' comp attorney can help. Most offer free consultations and work on contingency — you pay nothing unless you win.
External link to Avvo attorney directory. WorkCompCalc does not endorse or recommend specific attorneys. Always research and interview attorneys before hiring.
Missouri Workers' Comp FAQ
Missouri employers with 5+ employees must carry coverage. Benefits can last up to 400 weeks for temporary total disability.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in Missouri change frequently. Consult a licensed workers' compensation attorney in Missouri for advice about your specific situation. Actual benefits depend on your employer's insurance carrier, the nature of your injury, and state law. Data sourced from the Missouri Workers' Compensation Board. Last updated: January 2026.
Medical disclaimer: Information on this page is for educational purposes only. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.