The Big Four Benefits
Workers' Compensation benefits can be summarized into 4 distinct categories.
1. Temporary Disability
Temporary disability benefits are due to an employee when his/her primary treating physician (PTP) determines that he/she temporarily cannot to work due to the injury.
Temporary disability benefits are also due if (1) the PTP provides work restrictions for the injured worker due to the injury and (2) the employer cannot offer a position accommodating those restrictions.
Temporary disability benefits under Worker's Compensation equal 2/3's of the workers' average weekly wage. For example: If the worker earns on average $600 per week, that worker would be entitled to $400 per week while on temporary total disability.
Disputes will arise as to the appropriate time period for temporary disability between the injured worker and the insurance company. We fight for our clients to obtain a sufficient period of temporary disability to allow for recovery from the injury and a safe return to work.
For a more detailed discussion of temporary disability benefits, click on the Temporary Disability video link.
2. Permanent Disability or Whole Person Impairment
Permanent disability or whole person impairment refers to the percentage of disability resulting from the work injury after an injured worker has reached "Maximum Medical Improvement." Depending on the date of injury, the percentage of disability/impairment has a dollar value which corresponds to the percentage.
A doctor may provide permanent disability/impairment to each body part or body system injured as a result of the work injury.
Disputes will arise as to the level of permanent disability between the injured worker and the insurance company.
For a more detailed discussion on permanent disability or whole person impairment, click on the Permanent Disability video link.
3. Future Medical Care
When a doctor determines that the injured worker has reached maximum medical improvement, the doctor will give an opinion on what future medical care is necessary to treat the work injury. An award of future medical care is a lifetime award.
Disputes will arise regarding appropriate future medical care and the cost of such care between the injured worker and the insurance company.
For more a detailed discussion on future medical care, click on Future Medical Care video.
4. Job Voucher (formerly Supplemental Job Displacement Benefits)
A Job voucher is a benefit awarded to an injured worker when the work injury prevents him/her from returning to the job they held when they were injured.
A Job Voucher allows the injured worker to receive training for a job in a different line of work from that which caused the injury, which will not cause further injury to the injured worker.
Disputes will arise about an injured worker's entitlement to the Job voucher between the injured worker and the insurance company.
For more detailed discussion on Job Vouchers, click on the Job Voucher video link.