Understanding Temporary and Permanent Disability in Workers’ Comp

Understanding temporary and permanent disability in workers’ comp is crucial for securing the right benefits and support for work-related injuries.

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Navigating the complexities of workers’ compensation can be challenging, especially when dealing with the intricacies of temporary and permanent disability. This guide aims to provide you with a general understanding of these concepts, helping you make informed decisions about your workers’ comp claim.

What is Workers’ Compensation?

Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment. It’s designed to help workers recover from work-related injuries or illnesses.

Temporary Disability in Workers’ Comp

• Temporary Total Disability (TTD): This is provided when an injured worker is unable to perform any work due to their injury. TTD benefits are typically a percentage of the worker’s average weekly wage and continue until the worker can return to work or reaches maximum medical improvement.
• Temporary Partial Disability (TPD): This occurs when an injured worker can perform some, but not all, of their regular job duties. TPD benefits are usually the difference between the worker’s average weekly wage pre-injury and what they earn in their modified work capacity.

Permanent Disability in Workers’ Comp

• Permanent Total Disability (PTD): PTD applies when a worker is permanently unable to perform any kind of work due to their injury. Benefits for PTD are often for life and based on a percentage of the worker’s average weekly wage.
• Permanent Partial Disability (PPD): This is relevant when a worker sustains a permanent impairment but can still work in some capacity. The compensation depends on the type of injury and its impact on the worker’s ability to earn an income.

The Importance of Accurate Medical Evaluation

Accurate medical evaluation is crucial in determining the extent of disability. Medical professionals assess the severity of your injury and its impact on your ability to work, which directly influences your compensation. Regular follow-ups and adherence to medical advice are essential.

Navigating the Claims Process

Navigating the claims process can be overwhelming. It’s important to report your injury promptly, seek immediate medical attention, and keep detailed records of your medical treatment. Timely filing of your claim is critical to ensuring that you receive the benefits you are entitled to.

St. Louis Workers Compensation Lawyers

At the Law Office of James M. Hoffmann, we understand the challenges you face when dealing with a work-related injury. Our team is committed to providing personalized guidance and support throughout the workers’ comp process. Contact us for a free case evaluation if you’ve been injured at work and benefit from our 30+ years of experience.