Workers’ compensation benefits are a lifeline for injured employees. This is especially true if you work manual labor jobs or with heavy machinery. In these types of jobs, it isn’t uncommon for workers to lose the use of their limbs.
If this happens, you may be eligible for permanent partial disability (PPD) benefits. Understanding how PPD benefits work can help you navigate the workers’ comp system effectively and ensure you receive your due compensation.
What are permanent partial disability benefits?
Permanent partial disability benefits are payable if you suffer from a lasting impairment but can still do other types of work. PPD benefits compensate you for the loss of a limb or loss of use of different body parts. For example, you may be eligible for PPD benefits if you permanently lose the use function of an arm, a leg and more. Hearing loss and vision loss also count.
Below are three other important points about PPD benefits:
- You can continue receiving these benefits even after returning to work.
- PPD benefits are tax-free.
- Paid in a lump sum or installments.
- Based on the type and severity of your injury, not your wage.
How do you calculate PPD benefits?
Minnesota calculates PPD benefits based on the percentage of disability of your entire body – not the specific body part that was impaired. Doctors use a set schedule to rate the disability. The PPD rating you receive is multiplied by the corresponding dollar amount in the compensation schedule for that year. The result is your payable compensation benefit.
Under the 2023 compensation schedule, injuries with a PPD impairment rating below 5.5% have a corresponding dollar amount of $114,260. That means if you get a 3% disability rating, you may receive $3,427.80. However, if you get a 5% rating, the amount goes up to $5,713.
Navigate the workers’ compensation system
Seeking legal advice may help you navigate the complexities of workers’ compensation benefits. An experienced workers’ compensation attorney can guide you through the process. They can help ensure you receive the financial support to help you move forward after your injury while also allowing you to focus on your recovery.