If you got hurt on the job, you probably can’t work for some time. However, your primary income source won’t disappear because your employer must compensate you with wage-loss benefits. How much you will receive will depend on the severity of your injuries and the total time you need to recover.
Temporary partial disability (TPD) benefits
Temporary partial disability means that you can work, but not at your full capacity. As a result, your employer will put you on light duty and pay you two-thirds of your original wage until you recover. You will receive your payments for a maximum of 275 weeks, or 450 weeks after the date of your injury.
Temporary total disability (TTD) benefits
Temporary total disability is when you can’t work for a maximum of 130 weeks. You will receive two-thirds of your wages until you get back to work or 90 days after you recover from your condition. Your benefits could also stop if you don’t cooperate with the rehabilitation plan that your doctor ordered.
Permanent partial disability (PPD) benefits
Permanent partial disability means that you can’t ever work again at your full earning capacity. Most PPDs are related to the permanent loss of a single body part. Your employer will pay your PPD benefits after paying you your initial TTD benefits (130 weeks). PPD benefits come as a determined amount of money that you’ll employer will pay you as compensation for your disability. The total amount will depend on the percentage of disability that you have. You can either choose to get this amount at once or receive it at intervals.
Permanent total disability (PTD) benefits
Your employer must pay you PTD benefits if you can never work again because of your injuries. Examples of PTD can be loss of sight in both eyes, permanent paralysis, or loss of both arms or legs. If you qualify for PTD, your employer will pay you two-thirds of your original wage until you turn 72.
Keep in mind that you must notify your employer of your injury within 10 days of the accident to get your benefits. Otherwise, they won’t give you your rightful compensation.