Workers’ Compensation was designed as a way for employees injured on the job to receive medical care from doctors listed on a posted panel. Also, injured workers may be entitled to income benefits. In exchange for not allowing an employee to sue the employer, the employer accepts responsibility for an employee’s injury even if the accident was the employee’s fault (in several instances).
Those that are hurt while on the job are entitled to medical care and possibly income benefits. There are three types of income benefits that injured workers may be entitled to:
1. Temporary Total Disability (TTD) – Injured workers who are unable to return to work are entitled to receive TTD benefits. TTD benefits are calculated at two-thirds of your average weekly wage and are capped at a certain amount. Generally in order to receive these benefits, a doctor must place you on a no-work status. There are also instances when an employee is placed on a light-duty status and is entitled to TTD benefits.
2. Temporary Partial Disability (TPD) – If you are injured and able to work only a limited number of hours or return to a position receiving less pay per hour, TPD benefits could be paid. Workers receive this form of compensation if they are on light duty.
3. Permanent Partial Disability (PPD) – Workers that are severely injured will often receive a PPD rating from a doctor. A doctor will often times assign this rating after the worker has reached maximum medical improvement. This rating will be a percentage number. It basically states that the injured worker will be impaired a certain percentage for the rest of his or her life and should be compensated for it.
If you are injured and feel like the insurance company is not treating you fairly, it is important to contact a lawyer to know what your rights are. I can assist you in getting the proper medical treatment and income benefits you deserve. Do not hesitate to call me to evaluate your case.