Workers’ compensation provides various benefits, including medical treatment coverage, specific loss benefits and wage loss benefits. Wage loss benefits are financial payments provided to employees who get injured or become ill due to their work.
These benefits aim to replace a portion of the wages lost while the employee is unable to work at full capacity because of a work-related injury or illness. The severity of the injury or illness directly impacts the type and amount of wage loss benefits an employee may receive.
Temporary Total Disability (TTD)
Temporary Total Disability (TTD) benefits come into play when an individual is rendered unable to return to work due to a work-related injury or illness. However, the individual may regain the ability to work at some point down the line.
Temporary partial disability (TPD)
Temporary partial disability (TPD) benefits aim to bridge the financial gap for individuals whose work capacity has diminished due to a work-related injury or illness. This type of benefit caters to scenarios where the injured party is working fewer hours than before the incident or earning less due to post-injury limitations. TPD acts as a crucial support system, offering financial assistance during the transitional phase of recovery and reintegration into the workforce.
Permanent total or partial disability (PTD and PPD)
When injuries result in permanent disability, whether total or partial, permanent total or partial disability (PTD and PPD) benefits can step in to provide much-needed stability. These benefits are designed to support individuals whose injuries have permanently impaired their ability to work to varying degrees. Whether the disability renders them completely unable to work or only partially hinders their capabilities, PTD and PPD benefits offer financial relief and security for the long term.
Disability benefits play a pivotal role in providing financial support and stability to individuals grappling with work-related injuries or illnesses. By staying informed and seeking appropriate legal counsel when necessary, individuals can navigate the workers’ compensation system more confidently and work to receive the benefits they rightfully deserve.