Workers' comp · MO
Missouri workers' comp calculator
Missouri’s Division of Workers’ Compensation moves its maximums every July 1, at the start of the state fiscal year.
Rules read on official Missouri pages on · Checked by Radif Partners · How we calculate
- Benefit rate
- 66.67%
- Gross average weekly wage before taxes
- Weekly maximum
- $1,294.71
- from July 1, 2026
- Weekly minimum
- $40
- floor
- Waiting period
- 3 days
- paid back past 14 days
Missouri pays temporary total disability at 66.67% of the injured employee's average weekly earnings, capped at 105% of the state average weekly wage and never less than $40 a week (RSMo 287.170). For injuries from July 1, 2026 through June 30, 2027, the Division of Workers' Compensation memo sets the TTD maximum at $1,294.71; it takes a weekly wage of about $1,942 to reach it. TTD lasts no more than 400 weeks while the disability continues. The first 3 days of disability on which the employer is open for business are unpaid unless the disability lasts longer than 14 days (RSMo 287.160). A delivery driver earning $1,000 who misses twenty days receives $667 a week, $1,905 in all. Permanent partial disability is paid from a statutory schedule of weeks, with its own lower weekly cap, and a worker who collects unemployment benefits cannot draw TTD for the same period.
Weekly temporary total disability benefit in Missouri
$733
$3,178 a month · 66.67% of the wage, tax-free
| 66.67% of $1,100 | $733 |
| Weekly maximum / minimum | $1,294.71 / $40 |
| Days paid / unpaid waiting days | 30 / 0 |
| Total for the time off | $3,143 |
Estimate of wage-loss benefits for a total disability, from the Missouri Department of Labor and Industrial Relations, Division of Workers' Compensation rates. Medical care is paid separately; partial disability, permanent impairment ratings and settlements follow other rules. How this is calculated.
Unemployment and misconduct shut off TTD
Missouri writes two disqualifications directly into RSMo 287.170. An employee who applies for and receives unemployment compensation gets no TTD for that period, so a worker laid off while still hurt has to choose. And if the employee is fired from post-injury employment for post-injury misconduct, neither temporary total nor temporary partial benefits are payable; the statute specifies that absence caused by the injury does not count as misconduct.
The fiscal-year maximum
The Division’s state average weekly wage memo for the fiscal year that began July 1, 2026 sets the TTD, permanent total and death maximum at $1,294.71. Missouri's FY2027 state average weekly wage is $1,233.06; a weekly wage of $1,942.07 is needed to reach the TTD maximum and $1,017.27 to reach the PPD maximum (DWC memo, July 1, 2026). An engineer earning $2,400 a week is held to $1,294.71; three months off pays $16,831. At the bottom, the floor has been a flat $40 since 1981, so a teenager earning $54 a week still receives $40.
Three days that count only on business days
RSMo 287.160 withholds the first three days or less of disability during which the employer is open for business, and repays them when the disability lasts longer than fourteen days. For a typical weekday job, our driver earning $1,000 back after twelve days gets $857; at twenty days, $1,905. Because closed days do not count, a worker hurt on a Friday at a weekday business may wait into the next week before the three days run out. Payments must arrive as wages did, at least every two weeks.
The schedule of losses
PPD is paid in addition to TTD for a number of weeks from the statutory schedule of losses (e.g. arm at shoulder 232 weeks, hand at wrist 175 weeks, thumb 60 weeks) or as a percentage of 400 weeks for body-as-a-whole injuries (RSMo 287.190); the weekly PPD maximum is $678.18 for injuries on or after July 1, 2026. Complete loss of a member increases the scheduled weeks by 10% (DWC chart WC-110). The chart the Division publishes (form WC-110) shows each member's weeks, from 232 for an arm at the shoulder to 400 for the body as a whole. A 10% rating to the body as a whole is worth 40 weeks at the PPD rate. Employers also pay a 3.0% Second Injury Fund surcharge in 2026, which funds benefits when a work injury combines with an earlier disability. For settlements, see how much workers’ comp pays.
The Missouri rules this calculator applies
| Rule | Missouri |
|---|---|
| Temporary total disability rate | 66.67% of gross average weekly wage before taxes |
| Weekly maximum | $1,294.71 |
| Weekly minimum | $40 |
| Applies to | injuries on or after July 1, 2026 (fiscal year July 1, 2026 - June 30, 2027) |
| Waiting period | 3 days, paid back when the disability lasts more than 14 days |
| Limit on temporary total benefits | 400 weeks |
Rate. Sixty-six and two-thirds percent of the injured employee's average weekly earnings, not more than 105% of the state average weekly wage and never less than $40 per week (RSMo 287.170.1(4)-(5)). source
Waiting period. No compensation for the first three days or less of disability during which the employer is open for business, unless the disability lasts longer than fourteen days; then the first three days are paid retroactively (RSMo 287.160.1). source
Duration. TTD is paid for not more than 400 weeks during the continuance of the disability (RSMo 287.170.1). source
Permanent disability. PPD is paid in addition to TTD for a number of weeks from the statutory schedule of losses (e.g. arm at shoulder 232 weeks, hand at wrist 175 weeks, thumb 60 weeks) or as a percentage of 400 weeks for body-as-a-whole injuries (RSMo 287.190); the weekly PPD maximum is $678.18 for injuries on or after July 1, 2026. Complete loss of a member increases the scheduled weeks by 10% (DWC chart WC-110). source
Worth knowing in Missouri
- Missouri's FY2027 state average weekly wage is $1,233.06; a weekly wage of $1,942.07 is needed to reach the TTD maximum and $1,017.27 to reach the PPD maximum (DWC memo, July 1, 2026). source
- An employee is disqualified from TTD for any period in which he or she applies for and receives unemployment compensation (RSMo 287.170.3). source
- If the employee is fired from post-injury employment for post-injury misconduct, neither TTD nor TPD is payable (RSMo 287.170.4). source
- For 2026 employers pay a 3.0% Second Injury Fund surcharge plus a 1.5% administrative tax and a 1.5% administrative surcharge (DWC notices). source
- Compensation must be paid as wages were paid before the injury, and at least once every two weeks (RSMo 287.160.2). source