Temporary Vs. Permanent Disability In Workers’ Comp Cases
If you’re injured on the job, workers’ compensation is designed to provide financial support. While this is well understood, it is also important to recognize that every situation has its own considerations. For example, if a MD workers’ comp claim includes disability benefits, these benefits could be temporary or permanent.
To learn more about how disability benefits are calculated and what you’re entitled to, connect with a Baltimore personal injury lawyer. A knowledgeable attorney will advocate for your rights, gather the necessary medical evidence, and, if needed, challenge any unfavorable decisions made by insurance companies.
Different Disability Benefit Options
Temporary disability benefits are meant to cover lost wages while you’re recovering from an injury or illness. These benefits are available until a doctor determines that you’ve reached maximum medical improvement (MMI), meaning your condition has stabilized and isn’t expected to improve further with medical treatment.
Temporary disability benefits are divided into two categories:
- Temporary Total Disability (TTD). This type of benefit is provided when you are completely unable to work during your recovery.
- Temporary Partial Disability (TPD). If you are able to return to work in a limited capacity (for example, on light duty or with reduced hours), but are earning less than you did before your injury, you may be eligible for TPD benefits.
Once you’ve reached MMI, your doctor will assess whether your injury has resulted in any lasting impairments. If so, you may qualify for permanent disability benefits, which are designed to compensate you for the long-term impact of your injury on your ability to work.
Permanent disability benefits in Maryland are also divided:
- Permanent Partial Disability (PPD). When a person is awarded PPD they have a permanent impairment but are able to work in some capacity. Then, a benefit could be calculated.
- Permanent Total Disability (PTD). If you are unable to return to any form of work, you may be eligible for PTD benefits. PTD benefits in the state of Maryland provide two-thirds of your average wage for the remainder of your life.
The key differences between temporary and permanent benefits are related to their amounts and durations. Temporary disability benefits are only available until you reach MMI, while permanent disability benefits compensate you for the long-term or lifelong effects of an injury.
Calculations also have distinctions. Temporary benefits are based on a percentage of your average wage while you heal while permanent benefits are calculated based on the severity of the impairment and may last for a specific period or indefinitely.
Medical Evaluations and Your Eligibility
Your doctor’s assessment of your condition plays a critical role in determining which benefits you’re eligible for. An independent medical examination (IME) may also be required. A knowledgeable Baltimore personal injury lawyer can help ensure you receive the full benefits you’re entitled to, whether they are temporary or permanent.
How are you managing after a workplace accident or illness? Contact the attorneys at Iamele & Iamele, LLP today to protect your rights and secure the compensation you deserve. Contact us to book a confidential appointment.
