Workers' Compensation (CARO)

The State of Missouri, as a self-insurer, administers its workers' compensation program through the Office of Administration, Central Accident Reporting Office (CARO). The program covers all state employees as defined in 105.800 RSMO., excluding employees within the Department of Transportation, Missouri State Highway Patrol, and the University of Missouri system.

The CARO office is devoted to providing timely workers' compensation benefits to state employees and the agencies it serves. CARO utilizes a preferred provider network, a nurse triage referral service, and case management to assist in providing prompt quality medical care in an economical manner.

State agencies must report injuries through CARO's web-based reporting system (RESTORE). RESTORE was developed to ensure prompt reporting and to expedite the processing of workers' compensation benefits. It also enables the state to identify trends and exposures that may create safety concerns.