What Determines a Workers’ Compensation Settlement in Mississippi

If you’ve suffered a serious injury at work, you may be wondering what your Mississippi workers’ compensation settlement is worth. While the type of injury plays a major role, several other key factors determine how much compensation an injured worker may receive.

Key Factors That Affect Settlement Amounts in Mississippi

1. Severity of the Injury:

Injuries resulting in permanent disability—such as spinal cord damage, amputations, or traumatic brain injuries—typically lead to higher settlements. Mississippi law provides for permanent total and partial disability benefits based on impairment ratings and wage loss.

2. Medical Treatment Needs:

The more extensive the medical care required—including surgery, rehab, and long-term therapy—the higher the potential payout. Mississippi workers’ comp covers all “reasonable and necessary” medical treatment and anticipated future care should be factored into settlement negotiations.

3. Lost Wages and Earning Capacity:

Under Mississippi law, injured workers may be entitled to temporary total disability (TTD) benefits, which are calculated as two-thirds of the worker’s average weekly wage (up to a state maximum). If the injury reduces future earning capacity, this can also impact the final settlement amount.

4. Employer Compliance and Insurance Coverage:

Employers in Mississippi are required to carry workers’ compensation insurance. When employers are compliant and properly insured, claims tend to move faster. However, disputes with the insurer over the extent of the injury or treatment costs can delay or reduce settlements.

5. Pre-existing Conditions:

If a work-related injury aggravates a pre-existing condition, it doesn’t disqualify you from compensation. Mississippi law allows for coverage as long as work was a contributing factor.

6. Impact on Quality of Life:

While pain and suffering isn’t separately compensated in workers’ comp, Mississippi law does consider how the injury affects your ability to perform daily tasks and maintain employment.

Why You Need Legal Representation

Workers’ compensation laws in Mississippi are complex. Insurance companies often try to minimize payouts, especially in cases involving permanent disability or catastrophic injuries. That’s why having a skilled workers’ compensation attorney is critical. At Chhabra, Gibbs & Gustavis, P.A., we fight for the maximum compensation our clients deserve.

Don’t navigate this alone. Call us today at 601-948-8005 for a free consultation.