Medical Benefits – Injured employees who qualify for workers’ compensation benefits are entitled to all reasonable and necessary medical treatment and there is no time limit or monetary limit on this treatment. Injured employees always have some control over who serves as their Authorized Treating Physician, but the extent of this control depends largely on whether their employer had a valid Panel of Physicians posted on the date of accident in each case. Injured employees also have a right to make one change in Authorized Treating Physicians, and in some cases, injured employees are also entitled to get a second opinion at the insurance company’s expense.
Disability Benefits – Injured employees may receive Temporary Total Disability Benefits (TTD Benefits), Temporary Partial Disability Benefits (TPD Benefits), and/or Permanent Partial Disability Benefits (PPD Benefits).
- TTD Benefits – Subject to the maximum weekly rate in effect on the injured employee’s date of accident, TTD Benefits are payable for up to 400 weeks at a weekly rate of 66.6% of the injured employee’s Average Weekly Wage. In “catastrophic” cases, TTD Benefits may be paid for the duration of the injured employee’s lifetime.
- TPD Benefits – Subject to the maximum weekly rate in effect on the injured employee’s date of accident, TPD Benefits are payable for up to 350 weeks at a weekly rate of 66.6% of the difference between the injured employee’s pre-accident and post-accident Average Weekly Wage.
- PPD Benefits – Subject to the maximum weekly rate in effect on the injured employee’s date of accident, PPD Benefits are payable at the same rate as TTD Benefits and the number of weeks of PPD Benefits to be paid is determined by a statutory formula intended to compensate the injured employee based upon the degree of his or her permanent impairment.
Rehabilitation Benefits – Employees who suffer “catastrophic” injuries are entitled to rehabilitation benefits.
Death Benefits – Dependents of a deceased employee – typically his or her spouse and children – can receive weekly benefits at the same rate that the deceased employee would have received had he or she only been disabled. There are limits on the number of weeks that dependents can receive weekly benefits, with the exact limitation depending primarily upon the age and identity of the dependent. Death benefits also include an allowance for funeral expenses.