Workers Compensation: Lost Wages For Work-Related Accidents
The concept of workers' compensation was designed to protect employees who get injured or become ill due to workplace-related circumstances. It serves as a safety net, ensuring that the worker receives medical care, rehabilitation assistance, and compensation for lost wages when they're unable to work due to injury or illness.
Understanding Lost Wages
Lost wages refer to the income an employee loses as a direct result of an injury or illness caused by a workplace accident.
- Lost Wages: if an accident at work has left you unable to perform your job and earn income, you should be entitled to compensation for that lost income. These lost wages can be partial (if you can still work but not to the same extent as before) or total (if you're unable to work at all).
Types of Lost Wage Benefits
There are generally four types of wage loss benefits that an employee might be entitled to under a workers' compensation claim:
- Temporary Total Disability (TTD): If a worker is entirely unable to work for a temporary period due to a work-related injury, they may qualify for TTD benefits. The worker typically receives two-thirds of their regular wage, although this can vary by jurisdiction.
- Temporary Partial Disability (TPD): If a worker can return to work but can only perform light-duty work at lower pay due to their injury, TPD benefits can help make up the difference between their pre-injury and post-injury earnings.
- Permanent Partial Disability (PPD): These benefits are for workers who have suffered a permanent disability (like the loss of a limb) that does not completely prevent them from working. The amount of benefit usually depends on the severity of the permanent impairment.
- Permanent Total Disability (PTD): If a worker is permanently and entirely unable to work due to a work-related injury or illness, they may qualify for PTD benefits. These payments can often last for the remainder of the worker's life, providing a form of long-term financial security.
Navigating Lost Wages Claims
The process of claiming lost wages can be complex and may require professional assistance.
- Seeking Legal Help: A workers' compensation attorney can guide you through the process, ensuring all necessary paperwork is correctly filled out and filed on time. They can also advocate on your behalf if your claim is denied or disputed by your employer or their insurance company.
If you've been injured on the job, don't hesitate to seek professional advice from a workers comp attorney to guide you through the process and ensure you receive the benefits you are entitled to.