No employer wants to see his or her employees get injured, and employers take many admirable steps to prevent this from happening. Unfortunately, work-related injuries will happen despite the best precautions and most careful of training schedules. In the event that a worker does sustain a work-related injury, the injury will be classified as either permanent or temporary. The classification of injury will have long-reaching effects for both the employee and the employer.
Temporary disability benefits will be available to an employee who has sustained a work-related injury while he or she is temporarily medically disabled and is prevented from returning to work due to the work-related injury. These benefits are payable to the employee at the rate of two thirds of the regular wages of the injured employee. There is a maximum benefit set out by California law.
There are two types of temporary disability benefits available. One is Temporary Partial Disability (TPD) and the other is Temporary Total Disability (TTD). TPD benefits are appropriate and available for those workers who have sustained a work-related injury, cannot return to his or her normal employment, but can work in some sort of modified position or capacity. These benefits are paid at the rate of two thirds of the balance between what a worker normally earns and what he or she is earning in the modified position. For example, if a worker typically makes $300 per week, but makes only $200 per week in the modified position, the difference between the two is $100.00. Two thirds of $100 is $66.67. The injured worker would receive the pay check of $200 per week plus $66.67 in TPD benefits. Note that there is a maximum for benefits set by California law. If the modified salary is already higher than these maximum amounts, the worker will not be entitled to receive TPD benefits.
TTD benefits will be available to an injured employee where a doctor has determined that the worker is unable to return to any work for at least three days. The TTD benefits are payable until the worker is able to return to regular work. The benefits would also end if the employee is able to return to modified work in the event the employer offers such work. Once the injury becomes “permanent and stationary,” as determined by a doctor, the TTD benefits will end, even if the worker has not returned to work at that time.
Employers should make sure they have a firm understanding of the different types of disability benefits. Call us today at (714) 516-8188 for an appointment to discuss your business and workers’ compensation benefits.