Many people who injure themselves at work may receive a partial disability benefit (PPD) or temporary total disability benefits (TTD). Sometimes people may get both of these benefits. However, an insurance company may not always end up paying these benefits at the right time or in the right amounts.
In fact, many insurance companies offer ppd insurance as an addon which is something a lot of people are not aware of. So instead of pursuing an insurance company to get maximum deserved benefits, people usually resort to getting whatever benefits they can get.
If you’ve got no idea what benefits you should be receiving, don’t worry, you’re not alone. PPD and TTD benefits are very confusing. This is why we have written this short guide to help you understand the main differences between the two benefits according to the worker’s compensation law.
What is the Main Difference Between TTD and PPD Benefits?
The biggest difference between the two benefits is the reason why you receive them. For example, temporary total disability benefits are based on lost wages benefits. The insurance company has to pay you these benefits when you are unable to work due to the injury.
Permanent partial disability, on the other hand, is a benefit that is paid for a different loss. You receive these benefits because the injury has caused permanent disability to you.
Don’t forget, if you’ve been disabled due to an injury and you cannot perform the duties required of you, you can apply for one of these jobs.
What is Similar Between the Two Benefits?
The TTD and PPD benefits may be paid differently, but the two have some things in common. Here is what makes them the same.
Worker’s compensation law requires all insurance companies to pay both of these benefits on a weekly basis. So in other words, you’ll receive a check weekly while you are getting these benefits. However, sometimes the insurance company may also decide to pay you these benefits in a lump sum amount. When this happens, it just means the insurance company is paying all the weekly payments in advance.
Another common thing between the two benefits is that the amount you receive is usually the same across both. The amount will also depend on how much you made in the last three months before the injury occurred. The insurance company calculates your average weekly wage depending on these numbers and then gives you checks which are usually two-thirds of that amount.
Since the two benefits are very similar in nature, you may be wondering which benefit you are getting. The best way to find out which kind of benefits are being paid to you is to look at the Form WC-1 or Form WC-2 which clearly says which kind of benefits are being paid. The forms will either say TT or TTD or PPD or PP.
If for any reason you believe you are not getting paid on time, or the amount is far lesser than you imagined, get in touch with a permanent partial disability lawyer to help you out.