Does Workers’ Compensation Cover Long-Term Disability?

May 4, 2022
By Glauber Berenson Vego

After a work-related injury, you may be eligible to receive workers’ compensation benefits for your medical bills and lost wages, as well as long-term disability insurance benefits. You can also receive long-term disability after your workers’ compensation benefits end. Here’s what you should know:

What Is Long-Term Disability?

Long-term disability insurance (LTD) coverage can financially protect your income if you cannot work due to an injury or illness.

Disability Benefits and Workers’ Compensation

Getting hurt on the job can arise in many different ways, from slips and falls, or repetitive stress injuries, to more severe injuries that cause you to miss time off of work. It’s crucial to understand what types of disability benefits are eligible under workers’ compensation.

  • Permanent Total Disability (PTD) benefits– Those eligible will have a permanent disability due to their work injury.

  • Permanent Partial Disability (PPD) benefits– The injured worker can still work, but not to the ability before the work injury.

  • Temporary Total Disability (TTD) benefits– A portion of the injured worker’s salary is paid when they are out of work due to their injury.

  • Temporary Partial Disability (TPD) benefits– This benefit is for workers who sustained an injury from work and have been released from the workers’ compensation doctor to return to work part-time.

Maximum Medical Improvement and Partial Permanent Disability

When a worker is involved in an accident, sustains severe injuries, and reaches maximum medical improvement, you may be eligible for a permanent partial disability claim.

Your healthcare professional often discloses the information with you if you have reached a state of maximum medical improvement and your injury or illness worsens. This situation can be complex, especially when determining possible treatments for your impairments.

Contact Glendale Workers’ Compensation Attorneys

Glauber Berenson Vego has over 100 years of collective experience helping injured workers receive fair and just compensation. Our dedicated team of attorneys can help you understand your rights, and advocate for your long-term needs throughout the workers’ compensation process. Our goal is not only to help you navigate the system and recover the benefits you are owed, but also to assist you in your recovery.

If you have been injured at work or suffering from a job-related illness, contact us today at (626) 605-2450 to schedule a free case consultation.