Our dedicated team of personal injury attorneys are here to help you maximize your workers’ comp claim. Unfortunately, businesses tend to have more money than individual workers, and as a result, lawmakers sometimes make decisions that benefit the employer more than the employee. 

Most employers are required to carry workers’ compensation insurance, and each state has different exemptions. State laws and exemptions can be found on the Department of Labor website: https://www.dol.gov/owcp/dfec/regs/compliance/wc.htm

  • Missouri- considers the number of employees a business has to determine if they can be exempt from purchasing workers’ compensation insurance. 
  • Kansas- considers the annual gross profit of a company to determine if they can be exempt from purchasing workers’ compensation insurance. 

A business can still purchase workers’ compensation insurance even if they are not required by law to have it. In both Kansas and Missouri, employees who work from home or telecommute may have a hard time determining who is liable for an injury since home and work time can become blurred. In general, if you can prove your injury is work-related, it will be covered.

Common Exemptions:

  • Domestic workers
  • Independent contractors
  • Seasonal employees 
  • Agriculture employees

Not Covered or Reduced Benefits (In Most Cases) 

  • Horseplay
  • Fighting and/or Physical Altercation 
  • Violation of Company Policy 
  • Instances involving drugs and/or alcohol 
  • Criminal activity 
  • Commuting to and from the place of employment 

If you are injured on the job, you should contact a workers' compensation attorney who is knowledgeable about the specific laws of your state. If you have questions about work comp, call us today at 816-842-7100 to speak with an attorney. You can also click here to email us to schedule your free consultation.

Jason C. Amerine
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President and Owner, Castle Law Office of Kansas City
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