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  • Writer's pictureRobert Schuerger II

Employee's Guide: Find out How Long Does Workmans' Comp Last?

Workers' compensation is a crucial support system for employees who get hurt or sick because of their jobs. In Nashville, Tennessee, this kind of help offers medical care, covers some lost wages, and provides other disability benefits if an employee can't work.


However, there's a question that many people are asking themselves: How long does workers' comp last? The length of time injured workers can receive these benefits varies, depending on the injury and the rules of the workers' compensation insurance company.


In this article, readers will dive into different types of workers' comp benefits, such as temporary total disability and permanent partial disability, how long employees can receive these benefits, and so much more. This information will help provide a clearer picture of workers' comp's role in supporting employees after an injury. Schuerger Shunnarah Trial Attorneys can also consult on how to prove a back injury at work.


What Is Workers' Compensation and Its Benefits?

What Is Workers' Compensation and Its Benefits?


Workers' compensation is a system that helps employees who get hurt or sick because of their jobs. It's there to ensure that these workers aren't left struggling due to injuries or illnesses caused by their work. This aid comes in different forms:


  • Medical: These cover the medical benefits such as treatment and care needed because of a work-related injury or illness. The injured worker doesn't have to pay out of their pocket for medical care related to their injury.

  • Disability: Workers' comp also helps replace some of the funds employees lose if they can't work because of their injury. It's not the total salary, but it helps workers financially.

  • Death: If a worker dies because of a work-related injury, death benefits help the family by providing financial support.


The goal of these benefits, offered by the workers' compensation insurance company, is to help injured employees and their families during challenging times.


They ensure that workers get the necessary medical treatment and financial support until they can get back on their feet or, in more serious cases, provide ongoing support.


Types of Disability Benefits under Workers' Comp and How Long They Last


Workers' compensation provides different types of disability advantages to support injured workers. These benefits vary based on the nature and severity of the injury and how it impacts the worker's ability to do their job.


Temporary Total Disability (TTD)

Temporary Total Disability (TTD) benefits are for workers who can't work at all for a short time due to their injury. The duration of these settlements usually lasts until the worker can return to work or reaches maximum medical improvement, meaning their condition won't improve.


These entitlements are often a portion of the employee's regular earnings, calculated based on a set formula by the workers' compensation insurer. TTD benefits start from the eighth day of disability. If the impairment extends beyond 14 days, benefits are back-paid from the first day of disability.


Temporary Partial Disability (TPD)

Temporary Partial Disability benefits apply when an injured worker can still do some work but not all of their regular duties or hours. The length of TPD compensation depends on how quickly the worker recovers.


Furthermore, the amount they receive is typically the difference between their earnings before the injury and what they can earn in their modified work role.


Also, the calculation of TTD benefits generally is two-thirds of the average weekly wages earned in the 52 weeks before the injury.


Permanent Partial Disability (PPD)

Permanent Partial Disability benefits are for workers who have lasting impairments due to their injury but can still work in some capacity. Eligibility for PPD entitlements is determined after the injured worker reaches maximum medical improvement.


The calculation of this compensation takes into account the worker's ability to earn after the injury, with the duration varying based on the severity of the impairment. Moreover, the benefit is 66 and two-thirds percent of the employee's average weekly wage, subject to certain limits.


Permanent Total Disability (PTD)

Permanent Total Disability benefits are for workers who are unable to return to any kind of work due to their injuries. Those eligible for PTD settlement typically receive it for a longer duration, sometimes even for life, depending on state laws.


Essentially, the calculation for PTD compensation usually considers the worker's average earnings before the injury, ensuring they receive continued financial support due to their inability to work. These benefits continue until the employee is eligible for old-age retirement under social security law.


Each type of disability benefit under workers' comp provides injured employees with the necessary support, reflecting the impact of the injury on their work life.


The Role of the Workers' Compensation Insurance Company


When an employee gets injured, the insurance company plays a significant role. The company looks at the injury claim and decides how long the worker should get benefits.


This process requires accurate details about the injury, such as how serious it is and how it affects the worker's job. Moreover, the insurance company checks the medical reports carefully to understand the injury better.


If the reports show that the injury is not too severe, the worker might get temporary disability benefits for a short time. However, if the damage is severe, the worker might get permanent disability benefits, which last much longer.


This is why it's important for injured workers to make sure their medical reports are complete and accurate. These reports help the insurance company decide the correct type of workers' comp benefits and for how long they should be given.


Why Is Legal Assistance Important to Obtain Workers' Compensation Benefits?

Why Is Legal Assistance Important to Obtain Workers' Compensation Benefits?


Dealing with workers' comp claims can be challenging. It's not just about filling out forms but understanding complex rules and ensuring that victims get the benefits they deserve. This is where having workers compensation lawyers can make a big difference.


Attorneys know the ins and outs of workers' compensation benefits and laws. They can help make sure that everything in the claim is correct and fair. Also, this includes ensuring that all medical benefits are covered and that victims get the right amount of compensation for their injury, whether it's a temporary or permanent issue.


When dealing with a workers' comp claim, Schuerger Shunnarah Trial Attorneys can offer expert help and advice. We understand how important it is to get the benefits sorted out properly.


Our motto, "We go to war for you," shows how committed we are to fighting for worker's rights. If someone's struggling with a workers' comp issue, reaching out to us could be a crucial step in getting the support they need.


Concluding Thoughts


Getting an answer to the question, "How long does workers' comp last?" can be complicated. It depends on the type of injury, and the kind of support employees need, whether it's temporary or permanent disability advantages.


Navigating these waters can be overwhelming, especially when dealing with an injury. That's why it's crucial to seek professional legal advice and with situations like re injured after returning to work.


When facing such a situation, victims should consider reaching out to Schuerger Shunnarah Trial Attorneys. We have the expertise to guide victims through their workers' compensation claims and ensure they receive the full benefits they deserve.


Employees shouldn't navigate this path alone. They should let us be their ally in securing their rightful compensation.

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