A work-related injury can cause a great deal of difficulty in a person’s life. After being injured, a person may require emergency medical treatment and ongoing care, and their ability to return to work may be affected. Fortunately, workers’ compensation is available for anyone who has been injured on the job. In addition to fully covering the costs of medical treatment related to an injury, workers’ comp will also provide benefits that address a person’s loss of income due to an inability to work. Injured workers should be sure to understand when they will qualify for different types of workers’ compensation disability benefits.
Temporary or Permanent Disability Benefits
When an injury temporarily affects a person’s ability to work, they will qualify for disability benefits while recovering. These benefits will last until they reach the point of maximum medical improvement (MMI). If a person misses at least four days of work, they can receive temporary total disability (TTD) benefits. These benefits will not cover the first three days of missed work unless the person misses a total of at least 14 days of work. These benefits will be paid during a period where a doctor states that the person is unable to work or when they are able to do light work but their employer cannot meet these accommodations. TTD benefits pay 66 ⅔ percent of the average weekly wage (AWW) that a person earned in the 52 weeks before the date of their injury.
If a person can return to work on a part-time basis while they are recovering, or if they will be limited to working in a position that pays less than what they earned before they were injured, they will qualify for temporary partial disability (TPD) benefits. These benefits address the losses a person experiences when working at a reduced capacity. TPD benefits pay 66 ⅔ percent of the difference between the person’s AWW and the amount they earn while they are temporarily disabled.
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