What Are The Different Types Of Work Comp Benefits Available?
Total Disability Wage Benefits
Temporary Total Disability (TTD) benefits are payable for as long as you are unable to work, up to a maximum controlled by law according to the date of injury. If, at the end of this period you are still unable to work, you may be eligible for Permanent Total Disability (PTD benefits).
Partial Disability Benefits
Temporary Partial Disability (TPD) benefits are payable when you are making less money than your gross Average Weekly Wage (AWW) because of your limitations related to the work injury. This is typically seen is situations where an injured worker returns to work in a light duty capacity either with the same employer or a new employer but continues to have work restrictions imposed by his or her doctor.
If this job pays less than your pre-injury AWW, you are entitled to be paid two-thirds of the difference between the two amounts. Partial disability wage benefits are payable up to a maximum controlled by law according to the date of injury.
If, as a result of your work injury, you have a permanent loss of function in one or more body parts, you may be entitled to compensation for that loss, also known as Permanent Partial Disability (PPD). The Minnesota Disability Rules set forth percentage ratings for these impairments which are then applied against a compensation table. The higher the rating, the more compensation you are entitled to. If you are totally disabled due to your work injury or illness, you may be entitled to Permanent Total Disability (PTD).
Your employer/insurer is required to pay for any reasonable and necessary medical care that you receive as a result of a work injury. This may also include costs of home or vehicle renovations to accommodate a seriously injured worker. The workers’ compensation treatment parameters provide guidance as to how long an employer and insurer is responsible for specific treatments, but there are no fixed limits. Generally, the longer the period of time between the injury and the treatment, the more likely a workers’ compensation insurer will attempt to argue that the treatment is no longer related to the work injury.
The workers’ compensation insurer is responsible for paying mileage to and from doctor appointments, pharmacies and Independent Medical Examinations (“IME”). It is important for you to keep track of this mileage and submit it to the insurer for reimbursement.
If a worker dies as a result of an on-the-job injury or illness, the worker’s family is entitled to receive up to $15,000 in burial costs and the surviving dependents are entitled to collect ongoing compensation. The amount of death benefits payable to the surviving spouse and/or children is a percentage of the deceased worker’s benefit.
Contact Us Today To Learn More
Contact Midwest Disability Work Comp online or call 888-365-1477. We offer a free case evaluation and consultation. All cases are taken on contingency, meaning there are no fees until we recover benefits.