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Understanding The Difference Between Partial Disability, Full Disability, And Worker's Compensation
Henry Jennings
If you've been injured on the job, then you are entitled to coverage under worker's compensation insurance. The purpose of this coverage is to ensure that your medical expenses are covered and that you continue to receive pay if your injury leaves you unable to work. While worker's compensation offers many benefits, it can sometimes be difficult to understand its intricacies as well as its relationship to other forms of disability payments.
What does Worker's Compensation Cover?
Worker's compensation covers you for any injuries sustained on the job. Worker's compensation is a form of no-fault insurance, which means that it doesn't matter who was responsible for the accident that led to your injury. If you file a claim, you will be immediately covered for your medical expenses relating to the injury. This includes any emergency treatment that may be required as well as ongoing exams, treatments, and medications.
In addition to medical costs, worker's compensation also covers wages lost as a result of the injury. The amount of coverage for wage replacement caps out at two-thirds of your average weekly pay. This compensation is paid in the event that your injury prevents you from returning to work. This coverage is provided for temporary disabilities, where you are currently unable to work, but you are eventually expected to recover and return to your previous job.
How does Worker's Compensation Compare to Disability Insurance?
While wage coverage from worker's compensation is generally considered to be temporary, longer term injuries may qualify you for either permanent partial disability or permanent total disability. Under this type of coverage, your employer is responsible for covering some or all of your wages in perpetuity. In order to qualify for permanent total disability insurance, your injury must prevent you from working at all. Note that you will generally still be eligible for regular worker's compensation coverage for medical visits and treatments related to your injury even if you qualify for permanent disability.
A more common scenario is partial permanent disability. In this case, your injury prevents you from returning to work in your previous capacity and your employer is responsible for paying a portion of your wages. You qualify for this type of insurance only if your disability prevents you from returning to work at your previous pay level. The purpose of permanent partial disability is to compensate you if your injury has permanently reduced your earnings potential without preventing you from working altogether.
Making Sure You Receive Proper Compensation
One of the most difficult aspects of being involved in a worker's compensation claim is knowing whether you are receiving proper compensation for your injuries. Although many claims do not require the assistance of a lawyer, you should not hesitate to consult with an attorney if you have any concerns over how you are being treated or the level of compensation that you are receiving. If you believe that you may qualify for disability payments that you are not receiving, then it is important to contact a workers comp attorney immediately so that you case can be reviewed.
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