Monday Q&A – Edition 3

This week we answer the following questions:

  1. Mike: Can a felon own a muzzle loader (or black powder) rifle?
  2. Bonnie: How do you value a workers compensation injury?
  3. Terri: Is my settlement going to be disbursed through an annuity or lump sum?

Submit your questions for next week at or, or just tweet us at @MutruxLaw.


Hi, Tyson Mutrux here with the Mutrux Law Firm. With this week’s Monday Q&A, I’ve got three more questions that I’m gonna answer for you, so away we go.

Is it legal for a felon to own a muzzleloader?

The first one is from Mike. Is it legal for a felon to own a muzzleloader? Very good question. Now, I wanna be very clear. I’m only answering that specific question: Is it legal for a felon to own a muzzleloader? Not a firearm. The amendment was passed last year. That’s a completely different discussion which could take me an hour to discuss you a video, which I may do several videos for that. I’m not answering that question. I’m only answering: Is it legal for a felon to own a muzzleloader? And in Missouri law and federal law, yes, it is legal. It’s because of the definition of a firearm. Under federal law, there’s a specific exemption where it allows for muzzleloader and black powder guns to be used, so make sure you know, muzzleloader, not firearm. Okay, that’s a big difference.
How is a worker’s compensation injury settlement calculated?
Next one is from Bonnie. Just so you know, I’m also going to address this question in a longer video, so people can watch it but because it’s a more complicated answer that needs to be addressed. I wanna answer this one shortly and you can watch the video on the YouTube page later on. Now it is, how is a workers compensation injury settlement calculated? There’s a formula that we use, and what that is, it’s your weekly wage rate (and there are caps to that so make sure you yell it with the caps) multiply that times your disability ratings. So, usually we have a doctor that gives you a rating in disability for whatever part of your body it is, and then the number of weeks allowed for that part of the body. The State of Missouri says, “Your back is worth 400 weeks.” It’s a weird number. It’s ridiculous. I didn’t come up with the system, but there is a system. We use that formula, so wage rate times disability rating times number of weeks. It spits out a number, and usually what we’re fighting over is either the disability rating or we’re fighting over the number of weeks. Sometimes it’s around the knee, the wrist, the hand, whatever. We’re fighting over that, so a lot of times it was a finger, disabled the entire hand or just the finger, so we’re fighting over things like that. That’s the answer to that question.

Is my settlement going to be released lump sum or is it going to be structured?
And then the last one and full disclosure, this one is actually from a client. The client asked me this week, and I thought it was a really good question. She asked: Is her settlement going to be released lump sum or is it going to be structured? And the answer to that question is up to the client. The client has the option of structuring it or getting the lump sum. There’s no penalty for getting a lump sum. I recommend on bigger cases that you actually put it into a structure of some type or invest it in some way where you’re getting paid dividends on that. So, it’s really up to you. It’s your preference, unless it’s a minor. A minor is a little bit different, (I talked about minor settlements in another video too) but for the most part, if you’re an adult, your settlement will be up to you. Settlement is dispersed lump sum or structured, however you choose.

So, that’s it for this week’s Monday Q&A. Submit your questions at or tweet us @MutruxLaw. Thanks for watching, appreciate it, and see you next week.