What are the Differences between the Legal Standards of Temporary Total Disability and Permanent Total Disability?
Workers’ compensation is a no-fault insurance policy that employers provide for their workers in case of on-the-job injury or illness. The safety net represents security for the employee – they know that if they are hurt, their medical bills will be paid for and they will receive compensation for the work that they missed – and in exchange the employers have the security of knowing that they will not face personal injury lawsuits. The benefits provided by workers’ compensation extend beyond medical expenses to include disability payments when a worker is unable to return to their job over an extended period of time. Disability is broken down into temporary total disability and permanent total disability. If you have suffered an injury on the job and you are not able to return to the work you once did, it is important that you understand the difference between these two.
In the state of Connecticut, the Workers’ Compensation Commission has established a number of different types of workers’ compensation payments. These include:
- Temporary Total (TT) Benefits – These are provided for those who have been determined to be totally incapacitated and are based on 75% of the average weekly wage. It is paid for the duration of the employee’s disability.
- Temporary Total (TT) Benefits for Recurrence or Relapse – These are provided for those who have a relapse or recurrence after recovery. It is based on the original benefit rate, or the worker’s earnings if they have increased in the interim.
- Temporary Partial (TP) Benefits during Job Search – These are provided for those who are able to perform a lighter duty job but the employer has no such openings. It provides the TT compensation rate while the employee is searching for a job.
- Permanent Partial Benefits – These are specific weekly compensations for the loss of specific body parts.
- Permanent Total Benefits (PT) – These are the same as Temporary Total benefits that are increased by Cost of Living Rate Increases, and are paid based on injuries that are considered permanent. These may include paralysis of the legs or arms.
The standard for determining the type of benefit revolves around the worker’s ability to perform their job responsibilities, or a job that is lighter duty. A worker who has suffered an injury or illness that prevents them from working at all is first offered temporary total disability. This can later be awarded on a permanent basis, but permanent disability is only offered to those with severely debilitating injuries such as the loss of both feet or hands, both arms or legs, or their eyes. This benefit is only offered if a worker is unable to earn any income in either the same job or another job.
Every state has its own specific workers’ compensation rules, and they can be difficult to understand. The attorneys at Jonathan Perkins Injury Lawyers have dedicated themselves to providing injured Connecticut workers with knowledgeable legal representation to ensure that they get the compensation and benefits that they deserve. Contact us today for more information.