Workers’ compensation pays 100 percent of medical costs for injured workers and pays cash benefits for lost work time after a three-to-seven-day waiting period.
Most workers’ compensation cases do not involve lost work time greater than the waiting period for cash benefits.
Cash benefits differ according to the duration and severity of the worker’s disability.
Temporary total disability (TTD) benefits are paid when a work-related injury or illness temporarily prevents a worker from returning to the pre-injury job or another job for the same employer for which the worker is otherwise qualified.
Most workers who receive TTD benefits fully recover and return to work, at which time benefits end.
In some cases, however, injured workers return to work before they reach maximum medical improvement, often with restricted duties and lower or differential pay.
If an injured worker has severe impairments that are judged to be permanent after he or she reaches maximum medical improvement, permanent disability benefits may be paid.
Permanent total disability (PTD) benefits are paid to workers who are unable to work because of a work-related injury or illness.
Permanent partial disability (PPD) benefits are paid when the worker has physical impairments that, although permanent, do not completely limit his or her ability to work.
Workers’ compensation programs also pay death benefits when a work-related illness or injury is fatal.
The benefits typically include an amount for funeral and burial expenses and cash benefits for the worker’s family or dependents.
For workers who die without dependents, benefits are limited to funeral and burial expenses.
Do you have more questions? Injured in a work accident? Call now.
You have rights after being injured at work. Visit my Frequently Asked Questions area, our Resources area, or contact me. I will evaluate your case and help you every step of the way.