These days, 1 in 4 of twenty year old workers would become disabled prior to their retirement. Today, there are more than 37 million people in the United States alone that are classified as disabled and almost half of these number are working people between the ages of 18 to 64. 8.8 million people that are classified as disabled wage earners in the U.S., and more than 5% of these people are receiving SSDI benefits come the end of 2012. If you are qualified to receive disability compensation, learning about the different disability classifications can help you determine what benefits you are qualified to receive. Health care providers of the injured worker would be responsible for determining the extent of the disability of the worker.
To start, there is Temporary Total Disability wherein a worker’s wage earning capabilities are lost completely though only on a temporary basis. Temporary Partial Disability on the other hand is when a worker’s wage earning capability is partially lost again, temporarily. When a worker’s wage earning capacity is completely and permanently lost, this is classified as a Permanent Total Disability. This type of disability does not impose limits on the total number of payable weeks. There are also cases when the worker can still continue employment or conduct business if, the wages or profit from the business when combined with the weekly payable benefit does not exceed the maximum amount set by the law. So even if a worker is receiving disability benefits from the government, there are still employment opportunities that allow them to earn more money than what they receive on a weekly basis.
Permanent Partial Disability on the other hand is given when a worker’s wage earning capacity is partially yet permanently, lost. And the severity of this disability is determined when the worker has received his or her Maximum Medical Improvement or MMI which happens around two years after the injury or the accident has happened. You would also learn that there are a couple of Permanent Partial Disability benefit types namely: Schedule Loss of Use and Non-schedule. SLU occurs when workers permanently loses the use of his or her upper extremity; lower extremity; hearing or eyesight. Weekly compensation is going to be determined by the part of the body that is affected by the disability and depending on the schedule that is set by the law. Non-schedule is a permanent disability benefit that involves a part of the body that is not covered by an SLU benefit. Non-schedule is based on the worker’s permanent loss of earning capacity.