Benefits available to you if you are injured at work
Workers’ Compensation Benefits
There are four types of weekly benefits you can receive if you are injured at work. These are further classified into either temporary or permanent benefits depending on the nature and extent of injury suffered.
Temporary Total Disability (TTD) — TTD benefits are weekly income benefits equal to two-thirds of an injured worker’s average weekly earnings immediately prior to the work injury, up to a maximum cap of $575 per week. For injuries that are not catastrophic, an injured worker is entitled to TTD benefits for up to 400 weeks from the date of injury.
Temporary Partial Disability (TPD) — TPD benefits are paid when an injured worker returns to work in a lower-paying job after a work injury. TPD benefits are equal to two-thirds of the difference in the injured worker’s pre-injury wages and post-injury wages, up to a maximum of $384 per week. An injured worker is entitled to TPD benefits for up to 350 weeks from the date of injury.
Permanent Partial Disability (PPD) — This benefit is available in the event your injury results in a permanent disability as assigned by a treating physician. PPD value is determined by a set criteria following your doctor’s assessment of your percentage disability based upon AMA guidelines.
Death benefits are weekly income benefits equal to two-thirds of a deceased worker’s average weekly earnings immediately prior to the work injury, up to a maximum of $575 per week. These benefits are paid to the deceased worker’s surviving spouse and children. A sum of $7,500 is also available for funeral expenses. In cases where a deceased worker has no dependent children, the total death benefits paid to a surviving spouse are capped at $230,000.
When you are injured at work, your workers’ compensation insurance will pay your medical expenses as well as for any rehabilitation and therapy you may require. To qualify for this benefit; however, you must receive this treatment from a physician approved by your employer. This requirement does not apply to emergency medical care.