Suffering an injury on the job can be a daunting experience, leaving individuals not only dealing with physical pain but also the uncertainty of financial stability during their recovery period. In such situations, workers’ compensation benefits come to the rescue, offering a safety net to help employees regain their health without worrying about the economic burden. Two common types of workers’ compensation benefits that are often discussed are Temporary Total Disability (TTD) and Temporary Partial Disability (TPD). Let’s explore the differences between these benefits and understand when each applies.
Temporary Total Disability (TTD):
Temporary Total Disability benefits are designed to provide financial support to workers who are temporarily unable to work due to their injury or illness. This category applies when an injury completely prevents an employee from performing their job duties, leading to a total loss of income. TTD benefits typically amount to a portion of the employee’s regular wages and are aimed at helping them cover their daily expenses while they recover. The payments are 2/3 of the average weekly wage up to a maximum amount set by the State on a yearly basis.
Temporary Partial Disability (TPD):
On the other hand, Temporary Partial Disability benefits come into play when an injury or illness limits an employee’s ability to work only in specific capacities. In these cases, the individual can still perform some job tasks but not at their full capacity, resulting in reduced wages. TPD benefits are calculated as a percentage of the wage difference between the employee’s pre-injury income (average weekly wage) and their reduced earning capacity due to the injury.
Understanding the Differences:
The key distinction between TTD and TPD benefits lies in the extent of an individual’s inability to work. TTD benefits are applicable when an injured employee cannot work at all, while TPD benefits cater to those who can work but only in a limited capacity. It’s important to note that the determination of which benefit applies often involves medical evaluations, documentation, and assessments of the extent of the injury’s impact on an individual’s work capabilities.
Seeking Legal Guidance:
Navigating the realm of workers’ compensation benefits, whether TTD or TPD, can be complex. Understanding the eligibility criteria, filing procedures, and the calculations involved can be overwhelming, especially while focusing on recovery. This is where an experienced workers’ compensation attorney like Barry Stein comes into play. Attorney Stein has a proven track record of assisting injured workers in understanding their rights and maximizing their entitled benefits.
If you or a loved one have been injured on the job and have questions about filing a workers’ compensation claim, Attorney Barry Stein is here to help. With years of experience handling workers’ compensation cases, he can provide the guidance and support you need. Contact us at 305-377-1505 for a free consultation and to ensure you receive the fair compensation you deserve. Your health and well-being are his priority, and he’s here to fight for the compensation you rightfully deserve.