A Good Attorney Is Very Important after a Car Accident

If injured in a work situation, you may be in one of two phases. The workers compensation insurer may assign a claimant who has an active one of two status situations. Read on to find out what to expect in those two phases. 

Temporary Disability Status

Temporary disability benefits are paid to workers who are unable to work due to a work-related injury or illness. These benefits are typically paid for a limited period until the worker can return to work or reaches maximum medical improvement (MMI). The amount of temporary disability benefits is typically a generous portion of the worker's average weekly wage. Workers who are unable to work at their jobs because of an injury or occupational illness may earn temporary disability benefits. 

Permanent Disability Status

Permanent disability benefits are paid to workers who have a permanent impairment because of a work-related injury or illness. These benefits are typically paid in a lump sum or as a monthly payment (also known as structured payments). The amount of permanent disability benefits is based on the worker's impairment rating, which is a percentage of the worker's body that is impaired. To be eligible for permanent disability benefits, the worker must have a permanent impairment because of a work-related injury or illness.

What Else to Know

The main issue that differentiates between temporary disability benefits and permanent disability benefits is the duration of the benefits. Temporary disability benefits are paid for a limited period, while permanent disability benefits are paid for the rest of the worker's life. Another difference is the amount of benefits. Temporary disability benefits are typically a large portion of the worker's average weekly wage, while permanent disability benefits are based on the worker's impairment rating. Also:

• The amount of temporary disability benefits may be reduced if the worker is able to work part-time.
• The amount of permanent disability benefits may be increased if the worker has other medical conditions that are not related to the work injury.
• The amount of permanent disability benefits may be reduced if the worker is able to get a job that does not involve the use of the impaired body part.

If you have been injured on the job, it is important to understand the difference between temporary disability and permanent disability benefits. This will help you know what benefits you are eligible for and how much you may be able to receive. You should also speak to an attorney to get help understanding your rights and filing a claim for benefits. To learn more about workers compensation, talk to a professional attorney near you.