Temporary Disability vs. Permanent Disability
Temporary Disability (TD)If your injury prevents you from doing your usual and customary job while recovering, you may be eligible for temporary disability benefits, if:
Your treating physician issues a report stating that you are unable to perform your usual and customary job for more than 3-days; or you are hospitalized; or your employer does not offer you alternate or modified work that pays your usual wages.
If you are entitled to temporary disability, you will receive a check, equivalent to 2/3rds of your average weekly earnings, up to $986.69 for 2010-2011 dates of injury, every 2-weeks until you are declared permanent & stationary.
Permanent Disability (PD)These are benefits paid if your injury or illness results in permanent impairment which impacts your ability to compete in the job market.
After your last medical appointment, your primary treating physician will issue a final report, known as a permanent & stationary report (more commonly known as a P&S report). Contained within this report will be any permanent impairment that your physician indicates based upon his or her final examination.
Next a permanent disability rating will be calculated based upon your age and occupation at the time of your injury or illness, which is added to your whole person impairment rating.
The max. and min. PD payments for each percentage range is equivalent to 2/3rds of your average weekly earnings at the time of the injury or illness. For 2006-2011 dates of injury, the max. rate is $270/week, and the minimum is $130/week for impairments from 1% to 99.75%.
For 100% whole person impairment ratings, the injured worker receives TD at the PD rate.