Liberty Construction Accident Attorneys

are also available under your employer’s workers’ compensation insurance. You could receive up to four different types of disability benefits depending on the severity of your injury.

You might be entitled to TTD benefits if your doctor informs you that you can’t return to your job due to your injury or you must take time off from work after an operation.

The insurance company could deny your claim for TTD benefits if your physician says you can return to your job on light or modified duty and your employer accommodates these needs. However, you might qualify for a different type of disability benefit.

TTD benefit payments are 66 2/3 percent of your gross average weekly wage. State law sets a maximum payment amount you can receive each week. Coverage will continue until you finish treatment because your doctor places you at maximum medical improvement (MMI) or informs you that you can return to your job, whichever happens first.

Temporary partial disability benefits are available if you’re not eligible for TTD benefits because you can return to modified or light duty but earn less than your usual wages. Typically, coverage is available as weekly payments.

The payment amount is 66 2/3 percent of the difference between the gross average weekly wage from before the accident and the weekly pay after the accident. The maximum allowed amount for each payment is the same as temporary total disability. However, TPD only allows up to 100 weeks of paid benefits.

A permanent partial disability is an injury that permanently affects the workers’ ability to perform specific work-related duties or jobs. However, performing some type of work is possible but might not be at the same place of employment at the time of the construction accident.

Benefit payments for PPD are 66 2/3 percent of the workers’ average gross weekly earnings as of the date of suffering the injury. The maximum weekly amounts set by workers’ compensation laws apply. You could receive a lump-sum payment depending on the type and severity of your disability if you suffered a permanent partial disability.

The number of weeks you can expect to receive PPD benefit payments depends on the extent of the injury and the body part affected. A formula calculates the number of weeks for each injured body part and the disability rating the doctor provides.

For example, loss of use of an arm allows up to 232 weeks of coverage. If you were determined to have lost 50 percent of the use of your arm, you would receive benefits for up to 116 weeks.

ou could negotiate a lump-sum settlement with the workers’ compensation insurer or receive weekly payments for the rest of your life if you have a permanent total disability. A permanent total disability means you can’t return to your current job or obtain employment elsewhere.

PTD benefits are 66 2/3 percent of the worker’s average weekly wage at the time of the accident. The payment amount cannot exceed the maximum limit set by state law.

You might also be entitled to benefits for travel expenses related to your medical treatment. If you have to drive to and from doctor’s appointments outside the area of your place of employment, the workers’ compensation insurer must reimburse you for those costs.

If your loved one dies in a construction-related accident, you could recover survivor benefits from their employer’s workers’ compensation insurance carrier. Only dependents are eligible to receive benefit payments. Dependents include:

• Surviving spouse
• Children under 18 years old
• Adult child serving on active duty, attending school full-time, or incapacitated from earning wages

If more than one dependent exists, they must all share the weekly benefit payments provided by the insurer. Payments are 66 2/3 percent of the deceased worker’s average weekly wage for the year prior to the on-the-job accident. Funeral expenses up to $5,000 are also available.