Workers’ Compensation in Mississippi
The first employee compensation laws began to appear on U.S. state law books in 1855, creating the need for workers’ compensation in Mississippi.
Workers’ compensation insurance provides for wage replacement and medical benefits when an employee is injured in the course of employment. It is offered in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for negligence.
At the turn of the 20th century, workers’ compensation laws mandated that employees who are injured on the job have the right to medical care for their injuries and, in many cases, the right to compensation for injuries that result in temporary or permanent disability.
Some *work injury statistics from the Bureau of Labor Statistics indicate:
- Nearly 3.1 million non-fatal workplace injuries and illnesses were reported in the 2010 year alone.
- Approximately 95% of the 3.1 million non-fatal occupational incidents were injuries and not illnesses, which count for about 5% of the total reported cases.
- More than one half of those incidents involved workers taking days away from work, job transfers or enduring restricted work abilities.
The financial risk to businesses without workers’ compensation is too big to ignore.
Call 601.992.4444 for more information about workers’ compensation in Mississippi or request a quote online.
Businesses in Mississippi Need to Consult a Workers’ Compensation Expert
Worker’s compensation laws and insurance are handled differently state by state and even differently at the federal level. In fact, the Mississippi Workers’ Compensation Commission (MWCC) does not pay claims related to injuries that occur on the job – those benefits are paid by the injured worker’s employer or by their workers’ compensation insurance policy.
Workers have up to two years from the date of the injury to formally file a claim with the MWCC and the right to ask for an attorney to represent them and their claim for worker’s compensation. Once an attorney gets involved, the process of managing a workers’ compensation claim can get even more time-consuming and expensive.
It is for these reasons that business owners must work with a qualified and knowledgeable insurance agency that can accurately assess their risk and help them purchase the insurance they need while keeping costs down.
Contact us today for more information or request a worker’s compensation insurance quote online.