Mississippi Workers’ Compensation Reference Chart for Adjusters, Produced by AI

23 Aug, 2025 Frank Ferreri

                               

Coverage Requirements

Employers with five or more employees must carry workers' compensation insurance. Independent contractors, domestic workers, and farm laborers are generally excluded. Self-insurance is available for qualified employers.

Claim Reporting & Filing

TriggerAction RequiredDeadline
Injury occursEmployee must notify employerWithin 30 days
Employer receives noticeFile First Report of Injury (Form B-3)Within 10 days
Disability > waiting periodFile Notice of First Payment (Form B-18)Within 10 days of waiting period end
Denial of claimFile Notice of Controversion (Form B-52)By 14th day after employer learns of injury
Final payment madeFile Notice of Final Payment (Form B-31)Within 30 days

Benefit Types & Calculations

Benefit TypeRateDurationNotes
Temporary Total Disability (TTD)66.67% of AWWUp to 450 weeksRetroactive if disability >14 days
Temporary Partial Disability (TPD)66.67% of wage lossUp to 450 weeksBased on reduced earnings
Permanent Partial Disability (PPD)Statutory scheduleVaries by body partBased on impairment rating
Permanent Total Disability (PTD)66.67% of AWWUp to 450 weeksTotal loss of earning capacity
Medical BenefitsFull coverageUnlimitedIncludes travel, surgery, rehab

Medical & Vocational Services

  • Employee may choose initial treating physician.
  • Changes require approval from employer or Commission.
  • Vocational rehabilitation available for retraining and placement.
  • Mileage reimbursement covered for travel to treatment.

Dispute Resolution Process

  1. Informal Mediation: Encouraged by Commission.
  2. Formal Hearing: Before Administrative Judge.
  3. Appeal: To full Commission, then Court of Appeals or Supreme Court.

Adjuster Responsibilities

  • File all required forms timely (B-3, B-18, B-52, B-31).
  • Calculate AWW and benefits accurately.
  • Monitor benefit duration and eligibility.
  • Coordinate medical reviews and provider compliance.
  • Maintain ethical standards and fiduciary responsibility.
  • Avoid penalties for late payments or reporting.
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    About The Author

    • Frank Ferreri

      Frank Ferreri, M.A., J.D. covers workers' compensation legal issues. He has published books, articles, and other material on multiple areas of employment, insurance, and disability law. Frank received his master's degree from the University of South Florida and juris doctor from the University of Florida Levin College of Law. Frank encourages everyone to consider helping out the Kind Souls Foundation and Kids' Chance of America.

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