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Types of Workers’ compensation benefits

For many workers in the state of Iowa, employment is not only about the salary, but also about the many benefits that come with having a full-time job. Workers’ compensation may be the most important of these benefits. When an employee suffers an illness or injury while at work, Workers’ compensation insurance will provide wage replacement and benefits to eligible employees. Workers’ compensation wage benefits usually are divided into four types.

Temporary total disability benefits (TTD) are paid to employees who are unable to work while recovering from an injury. Typically with TTD, the employee has to be out of work for a certain amount of time in order to be eligible to file a claim. Temporary partial disability benefits (TPD) are for workers who are able to work in a light or somewhat modified capacity. TPD usually expires when the employee returns to work in a full-time capacity or when he or she reaches the maximum number of weeks allotted by the state.

When workers are severely injured on the job and can’t return to work, they may be eligible for permanent total disability benefits (PTD). However, some states cap PTD and may reduce it once the worker is eligible for Social Security Disability Insurance. Permanent partial disability benefits (PPD) can be utilized when a worker experiences a permanent physical impairment, such as the loss of a limb, due to a workplace incident. Workers can qualify for PPD even if they are getting other workers’ compensation benefits.

Workers’ compensation protects the livelihoods of thousands of employees in Iowa. Those who suffer a work-related injury and have questions about workers’ compensation benefits could benefit from discussions with a legal representative. A seasoned attorney can answer questions and help individuals navigate this confusing process.