Temporary and Permanent Disability in Worker’s Compensation
Getting injured in the job does not only affect your general health, but also your overall capacity to earn a living for yourself and your family. There are compensation benefits to help injured employees with these financial burdens, and these benefits can be classified into two – temporary disability and permanent disability.
Temporary disability refers to injuries or illnesses that are not permanent. To be covered by temporary disability claims, the employee should not have been able to work or have been hospitalized for more than three consecutive days. These claims are further broken down into two categories – temporary partial disability and temporary total disability.
In temporary partial disability, the worker has partially lost his ability to work and only temporarily. In other words, he will not be able to fully perform all his duties and so the employer cannot give him proper work compensation. A temporary partial disability claim will allow the worker to receive supplementary income equal to 2/3 of his actual compensation and benefits that have been lost because of injury or illness.
In temporary total disability, the worker has completely lost his ability to work and only temporarily. This means that the worker will totally not be able to perform his duties at work. Those who have temporary total disability claims will typically enjoy a bi-monthly check equivalent to 2/3 of their actual wage until they can go back to work.
Permanent disability claims involve those who have sustained injuries and illnesses that will last a lifetime. Like temporary disability, permanent disability is further broken down into permanent parial disability and permanent total disability.
In permanent partial disability, a part of the worker’s capacity has been permanently lost. Benefits for this kind of claim can be either schedule loss of use (SLU) or non-schedule. SLU benefits last for a certain number of weeks, depending on the affected body part. The body parts are usually involve the upper and lower extremity, eyesight, and hearing. In the case of non-schedule, benefits are calculated based on the worker’s permanent loss of earning capacity, and this usually involves body parts not covered in SLU, such as the heart and brain.
In permanent total disability, a person’s wage-earning capacity has been completely lost, and he may receive a bi-montly check equivalent to 2/3 of his income for the rest of his life.
It is sad enough that you have been injured in the job. But things could get worse. Insurance companies and others have the tendency to deny workers of the compensation they deserve, but it is a good thing that we have compensation lawyers, such as those from Spiros Law, PC. A workplace injury or illness can be a challenging part of your life, but legal help can at least aid you to overcome the financial side of it.