If you were injured on the job and you have to miss more than three days of work because of the injury, you might be confused exactly what to expect when it comes to your disability benefits. These benefits are categorized based upon whether the person is temporarily or permanently disabled as well as if the person is partially or totally disabled. Here are the four classifications:
Temporary Total Disability (TTD)
If you are temporarily completely unable to work, you are entitled to TTD benefits. Workers continue to receive these benefits until they are authorized by their treating physician to return to work, whether regular or modified work. If you fail to appear at an appointment because you want to avoid being authorized to return to work, you may also lose your benefits.
Temporary Partial Disability (TPD)
If you are temporarily partially disabled, this is the type of benefits you will get through workers’ compensation. This includes returning to work before you have reached your full working potential. You may received modified work including doing different tasks or working fewer hours. Workers earn less than their average weekly wages while earning TPD benefits.
Permanent Total Disability (PTD)
If you are permanently disabled enough that you are unable to earn any wages, you will be eligible for PTD benefits. These benefits are 2/3 of the worker’s average weekly wage starting at the time of injury or illness and continuing for the rest of the worker’s lifetime.
Permanent Partial Disability (PPD)
If you are able to return to work but you have permanent loss of a part of your body, such as fingers, hands, arms, eyes, legs, or mental function, you are eligible for PPD benefits. The amount of benefits you are given will depend upon the extent of the permanent disability.
Understanding the differences between these classifications can be confusing, particularly if you are given one type and disability benefit and your benefits are later changed to another type. One of our Pueblo workers’ comp lawyers can help you better understand your disability benefits. We will work to ensure you get the full workers’ compensation benefits to which you are entitled. Contact us to learn what we can do for you.