Like exams, treatment and rehabilitation.
For employee recovery after a work injury.
To teach injured employees new skills if they can no longer do their jobs.
Benefits for employees who can no longer work due to injury.
The Mississippi Workers’ Compensation Commission states that all employers with five or more employees must have workers’ compensation insurance. If you’re an employer with less than five employees, workers’ comp is not mandatory, but you may choose to provide it.
Workers’ compensation insurance can help you avoid unexpected, out-of-pocket expenses for an employee’s workplace injury. Even if it’s not required by law, this insurance can help protect your business finances in the long run.
If an employee is injured on the job, a Mississippi workers’ compensation policy can help cover the following expenses:
Many benefits are covered by workers’ compensation. Mississippi employees who are injured or become ill on the job may receive help paying for:
With Mississippi workman’s comp, employees can receive income benefits if their injury causes a loss of wages temporarily or permanently. Workers’ compensation income benefits in Mississippi include:
Temporary total disability. The injury results in the employee being completely unable to work, but the disability is not expected to be permanent.
Temporary partial disability. The employee can return to work with temporary restrictions, but will be unable to earn the same wages as they did prior to the injury.
Permanent partial disability. After they have reached maximum medical improvement from their injury, the employee is left with a permanent partial disability.
Permanent total disability. The employee sustains an injury that results in a permanent disability that involves the total amputation or loss of use of certain body parts and/or makes them unable to return to any type of reasonable employment for which they have education, training or experience.
In the event of an employee death on the job, workers’ comp death benefits can make payments to surviving spouse and dependents. Reasonable funeral expenses up to $5,000 are also covered.
Employers subject to the Mississippi workers’ compensation insurance requirement must post a Notice of Coverage poster in the workplace. This poster must include:
Employers are also required to make a report of any injury involving a covered employee and notify their insurance company and/or the Mississippi Workers’ Compensation Commission.
If an employee is injured outside Mississippi, coverage will generally apply — as long as they were hired or regularly employed in Mississippi and their work outside the state is temporary (less than six months).
If a non-resident of Mississippi is injured in the state while on a temporary job assignment, workers’ comp coverage will apply only if the situation meets all three of the following requirements:
Workers’ compensation costs vary across industries. Factors that influence price include:
The best way to determine the insurance rate for your business is to get a free instant quote from NEXT.
Employers required by state law to obtain workers’ compensation insurance but fail to do so may face statutory criminal and civil penalties. If an employee is injured while the employer is uninsured, that employee may file a suit against their employer.
Failure to file a report of an injury in a timely manner may result in a $100 fine. A 10% penalty may be imposed if compensation benefits are not paid on time.
Exempt employees include:
Federal employees and some transportation and maritime employees are covered by federal compensation laws.
If an employer with five or more employees wishes to be exempt from Mississippi workers’ comp coverage requirements, they may apply to become self-insured.
The employer’s application must demonstrate their financial ability to pay all compensation required by MS workers’ compensation law.
The law states that two or more employers may pool their liabilities to form a self-insured group as long as their self-insurance applications are all approved by the Mississippi Workers’ Compensation Co6mmission and they are members of the same association or trade group.
NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.
Start a free instant quote with NEXT.
General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.
In Mississippi, all business-owned vehicles must be covered by commercial auto insurance. If you drive or use your personal vehicle for work, commercial auto insurance helps protect your business from accidents.
Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.
Learn more about workers’ compensation insurance options in the state where you work.
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