If you’ve been injured on the job in Minnesota, you may be eligible for workers’ compensation benefits. These benefits provide financial support while you’re unable to work or are working at reduced capacity due to a work-related injury. In this blog post, we’ll explain two key types of temporary disability benefits: Temporary Total Disability (TTD) and Temporary Partial Disability (TPD).
Temporary Total Disability (TTD)
TTD benefits are paid when an employee is completely unable to work due to a work-related injury or illness.
Key points:
- Benefits are typically two-thirds of your gross average weekly wage.
- They begin on the fourth day after your disability starts, but if disability lasts over 10 days, you’ll be paid for those first three days too.
- You can receive TTD benefits for a maximum of 130 weeks.
TTD benefits may end earlier if you:
- Return to work
- Are released to work without restrictions
- Reach Maximum Medical Improvement (MMI)
- Refuse suitable work within your restrictions
- Complete an approved retraining plan
Temporary Partial Disability (TPD)
TPD benefits come into play when you’re able to return to work, but at reduced hours or lower pay due to your work-related injury.
Key points:
- Benefits are two-thirds of the difference between your pre-injury wage and current earnings.
- You can receive TPD benefits for up to 275 weeks if your injury occurred after October 1, 2018.
- Benefits end if your wage loss is no longer due to the injury.
Important Considerations
- Benefits are tax-free.
- If the insurer wants to stop your benefits, they must send you a Notice of Intention to Discontinue Benefits.
- You have the right to dispute any discontinuance of benefits.
Protecting Your Rights
Understanding your rights to workers compensation benefits can be complex. Here are some tips:
- Keep accurate records of your wages and work restrictions.
- Communicate regularly with your doctor and follow their instructions.
- If your benefits are discontinued or you’re unsure about your rights, consider consulting a workers’ compensation attorney.
If you’re struggling with a work-related injury, remember that the workers’ compensation system is designed to protect you. Don’t hesitate to reach out to an experienced workers’ compensation attorney for help. Midwest Disability is here to ensure you receive all the benefits you’re entitled to under Minnesota law.
