When an employee is injured at work, they are entitled to workers compensation benefits. Depending on the severity of their injuries, injured workers might also be eligible for either permanent or temporary disability benefits too. In this blog, we explain the differences between these two types of disability benefits.
Permanent Disability Benefits
A permanent disability is any long lasting disability or illness that affects a person’s ability to perform their job duties and keeps them from earn a living. Employees who have suffered a work-related injury that causes them to become permanently disabled are entitled to disability benefits, even when they are able to return to their job.
However, it is important to point out that permanent disability benefits can be limited. Sometimes, Permanent disability benefits are not enough to cover all of an injured workers lost income. Permanent disability benefits also doesn’t cover monetary losses that are unrelated to your ability to work. In addition to these limitations, permanent disability ratings no longer account for the injured employee’s future earning capacity.
Temporary Disability Benefits
If a worker’s injury prevents them from doing their usual job duties while they are recovering, they might be eligible for temporary disability benefits. These benefits are payments the employee receives if they lose wages because:
- A treating doctor says the employee is unable perform their usual job for more than three days, or they are hospitalized overnight
- The employer does not offer the employee other work that pays their usual wages while they are recovering
There are two types of temporary disability benefits:
- Temporary Total Disability (TTD) Payments: For workers who cannot work at all during their recovery
- Temporary Partial Disability (TPD) Payments: For workers who can perform some work while recovering, but their wages are below maximum limits set by law.
Do you have more questions about permanent and temporary disability benefits? Contact our Bakersfield team of workers' compensation attorneys to find out how we can help you today.