One of the compensation benefits that falls under workers’ compensation insurance is wage loss, also known as disability. It is important to know that every case is different and not every claim may result in a disability. However, depending on the severity of the injury and the incident, the claimant may be disabled temporarily or permanently. When determining temporary and permanent disability, medical professionals will give opinions and may even assign restrictions depending on how severe the injury is. In order to understand the difference between temporary and permanent disability, we have listed the four types of disabilities that workers’ compensation insurance covers and how they could potentially apply to your case.
The four types of wage loss disability covered under workers’ compensation insurance are Temporary Total Disability (TTD), Temporary Partial Disability (TPD), Permanent Total Disability (PTD), and Permanent Partial Disability (PPD).
- Temporary Total disability (TTD): the claimant will be unable to work for a given time period, based on the doctors’ restrictions, but will return when they are able to. In order to be eligible, the claimant must miss seven consecutive days of work.
- Temporary Partial Disability (TPD): the claimant can work on light duty with restrictions, but is making less money than before the accident as a result of the injuries. Based on the severity of the claimants’ injuries, the employer may accommodate the employee with duties that are less demanding than the position the individual was in.
- Permanent Total Disability (PTD): the claimant will no longer be able to perform their job role due to the nature of their injury. PTD eligibility is determined through a significant loss of use of two or more body parts from the same accident. They may be eligible for lifetime wage benefits depending on their case.
- Permanent Partial Disability (PPD): the claimant will be able to return to work, but will not be able to perform at full capacity due to their injury.
At ReidGoodwin, we understand that some of these forms of disability may force the claimant to take time away from work or not return to work at all. Due to these losses, our RG team fights hard to get Virginia injured workers’ the compensation benefits and help that they need. Check out our website to learn more about us or call us for free consultation to learn more about your options.
