Workers’ compensation extends several important protections to employees. Workers can receive medical benefits to cover their care costs. Workers’ compensation also provides disability benefits.
In scenarios where workers need to take a leave of absence to heal, temporary total disability benefits can replace some of their lost income. In tragic situations where workers may never be able to maintain employment again, total permanent disability benefits may be an option.
Occasionally, injured workers have lingering symptoms but may be able to do some work. In some cases, workers may qualify for permanent partial disability benefits. When is a worker eligible for permanent benefits related to a partial disability?
When a full recovery is impossible
Sometimes, the workers’ compensation claims process begins with little question about the prognosis of the worker. A spinal cord injury or amputation may forever limit an individual’s functional capabilities and therefore their earning potential.
When the nature of an injury makes it clear from the date of diagnosis that a full recovery is impossible, the professional may be able to request permanent partial disability benefits through workers’ compensation. They can also receive medical benefits to help control their symptoms or stabilize their condition.
When a worker stops responding to treatment
Many medical conditions result in a full recovery. Workers may experience lingering symptoms other times. Medical professionals may recommend a care plan and may do their best to help the worker heal. When it becomes apparent that they have stopped responding to treatment, the doctor may declare that they have achieved maximum medical improvement (MMI).
At that point, temporary disability benefits may end. The worker may also cease receiving treatment-related medical benefits. Instead, they may only be eligible for benefits related to symptom management.
The state may determine the degree of impairment caused by their injury and may then provide them with permanent partial disability benefits. Those benefits could involve a lump-sum payment for a scheduled loss. Trying to make sense of the multiple types of disability benefits available can be a challenge for an injured worker.
Professionals dealing with significant workplace injuries often need help understanding the benefits available to them. Learning more about the partial disability benefits available through workers’ compensation can help professionals limit their financial losses. Those who have to change professions or absorb a drop in income may be eligible for permanent partial disability benefits.