Many work injuries are mild to moderate. For example, a manufacturing worker could slice their palm open on the production line and require stitches. So long as they receive appropriate care, they are likely to make a full recovery.
Workers’ compensation can pay for their treatment and can help replace lost income until they are able to return to their standard employment. They may be eligible for temporary disability benefits until they can return to work as usual.
Unfortunately, some injured employees are unlikely to make full recoveries. Amputations, crush injuries, repetitive strain injuries and a host of other medical issues may cause permanent changes in an individual’s health and functional capabilities. What happens if an employee cannot return to permanent full-time employment after getting hurt at work?
The worker may have a permanent, partial disability
The standard for permanent, total disability is relatively high. A professional has to establish that they cannot maintain any form of gainful employment because of their medical challenges.
Permanent partial disability is different. The worker only needs to establish a significant reduction in their functional capabilities and a loss of earning potential to be eligible.
The benefits available include medical coverage to continue managing ongoing symptoms. Even after the worker receives clearance to return to work, they can rely on workers’ compensation to pay for any continued care they require.
Workers’ compensation can also provide disability benefits. The professional could receive either regular benefits as a means of supplementing reduced income or lump-sum form compensation for future diminished earning potential.
Learning about available workers’ compensation benefits can help employees optimize the support they receive after an injury. Those facing complex claims related to permanent medical challenges may need help pursuing the benefits they deserve, and that’s okay.
