Navigating Temporary vs. Permanent Workers’ Comp Benefits in Ohio
Introduction
When you’re unable to work due to an injury, understanding your financial outlook becomes a pressing concern. You might be wondering if workers’ compensation will cover all your lost wages or just a portion. This article aims to clarify how workers’ compensation benefits are calculated, what percentage of your salary you can expect to receive, and how these factors contribute to the weekly amount you might get if your claim is approved.
How Long Does Workers Comp Last?
Temporary Total Disability (TTD)
Temporary Total Disability benefits, commonly known as TTD, are for workers who are expected to recover and return to work eventually. These benefits kick in if you’re unable to work for at least 14 consecutive days. The duration of TTD benefits is determined by an independent medical exam, which assesses when you’ve reached “maximum medical improvement.” Once you’re deemed fit to return to work, your TTD benefits will cease.
Wage Loss Benefits
If you’re unable to find a job or earn the same income as before your injury, you might be eligible for wage loss benefits to supplement your income. This is an additional support system that kicks in after your TTD benefits have ended.
Permanent Total Disability (PTD)
Permanent Total Disability benefits, or PTD, are for those who will never be able to return to work due to their injuries. If you reach this unfortunate point, you should seek PTD benefits, ideally with the assistance of a workers’ comp attorney. These payments will continue for the rest of your life, offering long-term financial support.
How Long Can I Be on Workers Comp?
Duration for TTD
The duration for TTD benefits is not fixed; it depends on when you reach maximum medical improvement. This is a medical determination, and it varies from case to case. Once you’re medically cleared to return to work, your TTD benefits will stop.
Duration for PTD
If you’re approved for PTD benefits, these will continue for the rest of your life. There is no time limit, as the assumption is that you are unable to engage in any form of gainful employment due to your condition.
The Role of a Workers’ Comp Attorney
Navigating the workers’ comp system can be daunting, especially when you’re dealing with the physical and emotional toll of an injury. A workers’ comp attorney can guide you through the process, ensuring you receive all the benefits you’re entitled to. They can help you understand the duration of your benefits, whether temporary or permanent and assist in any appeals or additional claims like wage loss benefits.
Conclusion
Understanding the Ohio workers’ comp system is crucial for anyone who has suffered a workplace injury. Knowing the difference between Temporary Total Disability and Permanent Total Disability, as well as how long you can expect to receive these benefits, can help you plan your recovery and financial future more effectively. Always consult with a qualified workers’ comp attorney to ensure you’re getting the benefits you deserve.