Types of Workers’ Compensation Disability Benefits
Missouri law requires the workers’ compensation insurance to pay different types of benefits. These benefits include temporary total disability benefits (TTD), permanent total disability benefits (PTD), permanent partial disability benefits (PPD), and Survivor Benefits for the spouse, children, or dependents of an employee who suffered a wrongful death as the result of a workplace injury.
By law, the state of Missouri requires workers’ compensation insurance to provide three different types of benefits:
Temporary Total Disability
If you are determined to need temporary total disability benefits, your wage loss benefits are calculated at 66 2/3% of your average weekly wage prior to your injury. This figure will only take into account your gross wages, meaning what you earn before any deductions or taxes are taken out of your paycheck.
You might receive less than the 66 2/3% of your gross weekly wages if your prior earnings exceeded the current maximum limit set in place by Missouri state law.
Permanent Partial Disability
Like with TTD benefits, your permanent partial disability benefits will be calculated based on 66 2/3% of your average gross weekly wages before you were injured. This amount cannot exceed the current maximum limit for workers’ compensation benefits. However, it is possible that your benefits will be paid out as a lump sum rather than in installments. This will depend on the nature and severity of your injury and related disability.
Permanent Total Disability
If you suffer a permanent total disability, you are entitled to weekly payments for the remainder of your life. Although these benefits are also 66 2/3% of your average gross weekly wage prior to injury, the maximum compensation limit is higher for those with permanent disabilities. You may also negotiate for a lump-sum payment.
If you are unsure whether to pursue weekly benefits or a lump-sum payment, your workers’ compensation attorney can help you determine what is most appropriate for your situation. Thomas Law Offices offers a free case evaluation should you wish to speak with a knowledgeable attorney about your situation.