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RAS  - Risk Administration Services

Benefit Scenarios

The type of benefits you may be entitled to depend on your loss of wages and medical situation and are set by state law. 

 

 Temporarily unable to work at all

If you are temporarily unable to work at all, you may be eligible for what's called temporary total disability (TTD) benefits. Workers' compensation typically reimburses the injured employee about two-thirds of his or her pre-injury average weekly wage, issued at the same interval the employer issues paychecks. TTD benefits are subject to state waiting periods and minimum and maximum limits.

 Temporarily unable to work at full wage

If you are temporarily unable to work at your pre-injury wage, you may be eligible for temporary partial disability (TPD) benefits. Typically, this benefit is paid when you are not fully recovered but are able to work within medical restrictions at a modified or part-time position until recovery is complete.


In many states, TPD benefits cover half to two-thirds of the difference between the pre-injury wage and the reduced wage. Some states calculate benefits based on a percentage of lost wages, which generally is around one-half to two-thirds.

TPD benefits are subject to state waiting periods and minimum and maximum limits.

 Never able to work again

If you are so severely injured you can never return to work, you may be eligible for permanent total disability (PTD) benefits. In most states, PTD benefits cover two-thirds of your average weekly wage and are paid until presumed retirement age or for life, depending on state law. 

If you receive PTD benefits and also Social Security disability benefits, in some states the two benefit systems may coordinate to determine the total weekly wage replacement amount.

 Lasting physical impairment

You may be eligible for permanent partial disability (PPD) benefits if you have sustained a permanent loss of function because of a work injury.

A disability rating is determined by the physician for an injured employee who reaches a point where no further significant medical recovery is expected. Each disability rating is assigned a specific dollar value set by state law. In states where some disabilities are not assigned dollar values, compensation instead is based on loss of earnings capacity.

PPD is not a wage replacement benefit, and it typically can only be paid once you have returned to work or have been found by a doctor to be so severely injured you can never return to work.

 

Note: This information is not intended to be legal advice and may not represent the entire benefits package an injured employee may be entitled to. Please consult your RAS claims representative regarding the specific benefits you may be entitled to, which are dependent on the circumstances and state where the injury occurred. 

 

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