What Are the Types of Workers Comp Benefits?

Every state requires a program to provide benefits to workers who are injured at work. In Missouri, there are several types of workers’ compensation benefits that an injured employee may be eligible to receive.

If you’ve been injured during an on-the-job accident, you may qualify for one of the following types of workers’ compensation benefits.

Missouri Workers’ Compensation Benefits

Depending on the severity of your injury, the state of Missouri offers four types of workers’ compensation disability benefits. They include:

• Temporary Partial Disability (TPD) Benefits

  Following your worksite injury, the state of Missouri requires your company to pay you temporary partial disability benefits until a doctor says you can return to work and perform light or modified work.

• Temporary Total Disability (TTD) Benefits

  If your doctor determines you’re unable to return to work due to your on-the-job injury, you can receive payment for lost wages in the form of temporary total disability. People recovering from surgery are also eligible for TTD; however, in order to receive TTD you must actually be temporarily disabled, unable to return to work, and have limited mobility.

• Permanent Partial Disability (PPD) Benefits

  To receive permanent partial disability benefits, your injury must occur on the job and affect your ability to do specific types of work. However, your employer may ask you to perform other, less strenuous duties until you are fully healed.

• Permanent Total Disability (PTD) Benefits

  This type of disability benefit is awarded to those who are permanently unable to work any sort of job due to a qualifying on-the-job injury. There are several ways to receive your permanent total disability benefits. Payments are either paid on a weekly basis from your former employer and its insurance company, or you can negotiate a lump-sum settlement in court.

If your work injury exacerbates pre-existing disabilities to cause permanent total disability, you may only be able to receive permanent partial disability from your former employer. To receive this form of PPD, you will have to file a second claim to receive your full deserved compensation and should consult with a seasoned workers’ compensation attorney.

Professional Workers’ Compensation Benefits Legal Services

When making a claim for workers’ compensation, it’s important to hire an attorney with experience. Administrative law judges and insurance companies do their best to make sure you receive the least amount of compensation possible. A lawyer with years of expertise handling workers’ compensation cases will be able to help you file your claim and receive the most benefits available so both your mind and body can heal.

The experienced lawyers at Lanzotti & Rau can help you pursue legal action to receive your workers’ compensation benefits. We will fight for you and charge no fees until we win your case. To learn more about our workers’ compensation legal services, call us today at  573-335-9300 to schedule a free case evaluation.