The answer is—it depends. It’s essential to understand the legal risks and benefits before making any decisions.
While Missouri law does not automatically prohibit working a second job during a workers’ comp claim, doing so can directly impact your benefits and even lead to complications if not handled properly.
At The Law Office of James M. Hoffmann, we don’t just handle claims—we fight insurance companies that look for any excuse to reduce or deny rightful compensation.
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1. How Missouri Workers’ Compensation Works
When you’re injured on the job, Missouri workers’ compensation laws provide medical care and wage replacement benefits. These benefits are designed to help you recover without the added pressure of lost income.
There are two key types of wage benefits:
- Temporary Total Disability (TTD) – paid when you cannot work at all.
- Temporary Partial Disability (TPD) – paid if you can work in a reduced capacity and are earning less than before.
These benefits are based on your average weekly wage from all jobs at the time of the injury.
2. Were You Already Working Two Jobs Before the Injury?
If you held more than one job before your injury, it’s essential to report that to the workers’ comp insurance adjuster right away. Missouri law allows your total wages from multiple jobs to be factored into your benefit rate—but only if disclosed promptly.
Failing to report your secondary job can result in lower weekly payments and may lead to the potential denial of benefits.
3. Taking a Second Job After the Injury
If you’re thinking about picking up a second job after your workplace injury, consider the following:
A. Your Physical Restrictions
If your authorized treating physician has given work restrictions—or said you’re unable to work—taking a second job that violates those restrictions can:
- Jeopardize your benefits
- Be used against you by the insurance company
- Raise questions about the severity of your injury
B. Impact on Your Wage Replacement Benefits
If you begin earning income from a second job:
- Your TTD benefits may stop, since you’re no longer “totally disabled” from earning wages.
- You might qualify for TPD benefits, which offset the difference between your pre-injury and post-injury income.
C. Credibility and Surveillance
Insurance companies often conduct surveillance. If they see you working while claiming you’re too injured for your main job, they may:
- Reduce or terminate your benefits
- Accuse you of fraud
- Use the footage in court
4. What If the Second Job Is Light Duty or Remote?
Even if the second job is less physically demanding or a remote/desk job, it can still affect your claim. The insurance company may argue that you’re capable of working your original job or dispute the need for continued benefits.
Always consult with a workers’ compensation attorney before starting any new job while receiving workers’ compensation benefits.
5. How Our Firm Protects Your Rights
At The Law Office of James M. Hoffmann, we’ve represented thousands of injured Missouri workers—including many with multiple jobs. Our goal is to:
- Ensure your full wages are factored into your claim
- Protect your right to benefits if you’re medically restricted
- Advise you before any decision that could impact your benefits
We don’t just handle claims—we fight insurance companies that look for any excuse to reduce or deny rightful compensation.