There are many unknowns and unanswered issues regarding injuries sustained at work in Indianapolis. How long will I be out of work? Will my medical expenses be covered? What about lost wages? These are all valid concerns in the event of a workplace injury, mainly if it results in permanent or temporary disability.
For workers in Indianapolis, understanding the difference between these two types of disability benefits is crucial to receiving the proper compensation they deserve.
It’s essential to work with Indianapolis workers’ compensation attorneys to help protect your rights and receive the benefits you are entitled to.
Permanent and Temporary Disability Benefits
What Is Permanent Disability?
A permanent disability is defined as a permanent impairment or loss of bodily function. This could be due to a workplace injury, illness, or occupational disease. In most cases, employees will never fully recover from their injury or illness. The severity and permanency of the disability will determine the amount of compensation an employee may receive.
There are two permanent disability benefits available in Indianapolis: permanent partial disability (PPD) and permanent total disability (PTD).
Permanent Partial Disability
A permanent partial disability occurs when an employee cannot fully perform their job duties due to a workplace injury. This could mean a loss of mobility, strength, or function in a body part. In Indiana, PPD benefits are calculated based on a schedule of injuries, which assigns a specific number of weeks for each body part.
Permanent Total Disability
This type of disability is typically more severe than a partial disability. It occurs when an employee is permanently unable to perform any type of work due to a workplace injury or illness. Workers in Indiana who sustain a permanent complete disability are entitled to receive, for the remainder of their lives, two-thirds of their average weekly income.
What Is Temporary Disability?
This temporary impairment, or loss of bodily function, is expected to heal over time. This could include sprains, strains, fractures, or even more severe injuries that require surgery and rehabilitation. Temporary disability benefits are typically paid once a week until the worker is able to resume employment.
In Indianapolis, benefits for temporary disability fall into two categories: temporary total disability (TTD) and temporary partial disability (TPD).
Temporary Partial Disability
It occurs when an employee cannot perform all job duties due to a workplace injury. In Indiana, workers who suffer from a temporary partial disability are entitled to a recovery payment equal to two-thirds of their typical weekly earnings.
Temporary Total Disability
A temporary total disability occurs when an employee cannot work due to a workplace injury. Employees in Indiana who suffer from a temporary total disability are eligible to earn two-thirds of their typical weekly salary until their condition improves to the point that they may resume work.
The Importance of Understanding the Difference
Understanding the difference between permanent and temporary disability is crucial for employers and employees. It can help employers determine the appropriate workers’ compensation insurance coverage and premiums. For employees, it ensures they receive the proper benefits and compensation for their injury or illness.
It’s crucial to note that temporary disability benefits may be converted to permanent disability benefits if the employee does not fully recover. This is why employees must receive proper medical care and follow their doctor’s recommendations for recovery.
You Got It?
It’s critical that you get legal counsel and be aware of your rights if your job has a role to play in your health condition. You can make sure you get the right medical care, lost income, and disability benefits you are entitled to with the assistance of an experienced workers’ compensation lawyer.
Don’t be afraid to ask for help when you need it during this trying period. Understanding the difference between permanent and temporary disability benefits can make all the difference in receiving the compensation you deserve.
So, be proactive and seek help from a professional to easily navigate these complex matters.
