6 Types Of Workers’ Comp Benefits
Our clients often have questions about workers’ comp benefits, and at Gesmer & Reynolds, P.C., we recognize that understanding these benefits can be challenging. Our lawyers take a hands-on, consultative approach to working with clients. From the beginning steps of gathering information and asking our clients about their goals to closing a claim, we are strong advocates for our clients.
There are essentially six types of workers’ compensation benefits:
- Temporary total disability (TTD): These are temporary benefits to help cover lost time at work. You can get TTD benefits if you are completely unable to work or are on work restrictions and your employer cannot accommodate “light duty.”
- Medical bill payment: You are entitled to get your medical bills paid if you have been injured in a workplace accident.
- Permanent partial disability (PPD): These are permanent benefits that can be explored at the end of treatment when an injured worker returns to work. These are not for pain and suffering, but for permanent, lingering injury effects.
- Statutory permanent total disability (PTD): These benefits are not commonly given and are awarded only in situations involving amputations (loss of multiple limbs) or other catastrophic, life-altering injuries.
- Odd lot permanent total disability (PTD): Odd lot PTD benefits are given to those with permanent work restrictions due to work injuries who can no longer perform their regular jobs or any type of light-duty work. Often a diligent, but unsuccessful job search is required before such benefits are awarded. These benefits are awarded based upon a combination of age, education and the nature of the injury. If awarded, these are given on a weekly basis for the injured worker’s lifetime.
- 8(d)(1) wage differential benefits: These benefits are awarded when an injured worker has a permanent work restriction and reduced earning capacity as a direct result of a work injury. Such injured workers are entitled to recoup two-thirds of the difference between what they would be earning in the full performance of their duties in their regular job and a suitable alternative light-duty job within their work restrictions. These benefits are paid either for the duration of the injured worker’s life or to age 67 (depending on the date of the accident).
If you have other questions about disability benefits, visit our Workers’ Comp FAQs page or contact our firm to schedule your first consultation.
Contact Gesmer & Reynolds, P.C., Today
There is no charge for the first consultation. To schedule a meeting, please contact us at 815-216-9471. We are able to schedule appointments to meet our clients’ needs. Located in Rockford, we handle cases throughout neighboring Illinois communities.