Workers' Compensation 

Montana Worker’s Compensation statutes require injuries to be reported to your employer within 30 days of the occurrence. MMIA strongly recommends you report all injuries, regardless of severity and/or level of treatment, to your employer as soon as possible. Your employer will work with you to submit a First Report of Injury claim form.

If you suffer a total loss of wages due to your injury or occupational disease, you may be eligible for temporary total disability (TTD) benefits until your physician releases you to return to employment. You may receive weekly compensation of 66 ⅔ of your gross wages at the time of injury – up to the state’s maximum temporary total disability rate. Per Montana statute, compensation may not be paid for the first 32 hours or 4 days’ loss of wages, whichever is less, that the claimant is totally disabled and unable to work because of an injury. A claimant is eligible for compensation starting with the 5th day of wage loss. If you are totally disabled and unable to work for 21 days or longer, compensation may be paid retroactively to the first day of total wage loss. You can draw sick leave or vacation for the first four days.

You may choose the treating physician for initial treatment, if your claim is accepted, you may be able to continue to treat with the physician you chose; however, there may be times when MMIA redirects care to another medical provider.

Once MMIA accepts your injury or occupational disease claim, you are entitled to reasonable doctor, hospital, prescription and medical care costs. Allowable charges are paid according to a medical fee schedule. You do not have to pay the balance between what the medical provider charges and what the MMIA pays.

Visit the Montana Department of Labor and Industry website for more information.