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Mississippi Workers' Compensation

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Who Must Carry Coverage

  • Employers with five or more employees (full-time or part-time) are required to carry workers’ compensation insurance.
  • Employers in certain industries may be subject to different thresholds.

No-Fault System

  • Mississippi workers’ compensation is a no-fault system, meaning injured employees may receive benefits regardless of who caused the injury.

Reporting an Injury & Time Limits

  • A work-related injury must be reported to the employer within 30 days of the incident.
  • The general statute of limitations to file a formal claim is two years from the date of injury.

Income & Medical Benefits

  • Payment for necessary medical treatment.
  • Temporary total disability (TTD) benefits at 66 2/3% of the average weekly wage.
  • Compensation for permanent partial or total disability, if applicable.
  • Benefits for temporary total disability are limited to a maximum of 450 weeks.

Protection From Retaliation

An injured employee cannot be terminated or discriminated against solely for filing a workers’ compensation claim.

Choice of Treating Physician

  • The employer or insurance carrier generally selects the initial authorized treating physician.
  • Employees may request a change of physician with proper approval.

Independent Medical Examination (IME)

  • Either party may request an IME to resolve disputes about the employee’s medical condition.
  • Contact Doctors’ Council if you would like assistance with requesting an IME or changing doctors.