---
title: Ensure Your Company Has the Proper Disability Benefits
description: Learn about the different types of disability claims and how they can help compensate for lost wages. Ensure your company has the proper disability benefits with TSIB.
image: https://blog.tsibinc.com/hubfs/shutterstock_2032605926.jpg
---
- [Resources](https://tsibinc.com/resources/)
- [Contact Us](https://tsibinc.com/contact-us/)
[Pay Online](https://tsibinc.com/pay-online/)
[Wrapworks Contractor Portal](https://wrapup.vuewrapup.com/contractorportal)
[](https://tsibinc.com)
- Insurance
- Commercial Insurance
- Commercial Insurance 1
- [Automobile Liability](https://tsibinc.com/insurance/commercial-insurance/automobile-liability/)
- [Builder’s Risk](https://tsibinc.com/insurance/commercial-insurance/builders-risk/)
- [Property Insurance](https://tsibinc.com/insurance/commercial-insurance/property-insurance/)
- [Pollution](https://tsibinc.com/insurance/commercial-insurance/pollution-legal-liability-insurance/)
- [Cyber](https://tsibinc.com/insurance/commercial-insurance/cyber/)
- [Employment Practice Liability & Officer’s Liability](https://tsibinc.com/insurance/commercial-insurance/directors-officers-employment-practices-liability/)
- Commercial Insurance 2
- [Excess Liability](https://tsibinc.com/insurance/commercial-insurance/excess-liability-insurance/)
- [General Liability](https://tsibinc.com/insurance/commercial-insurance/general-liability-insurance/)
- [Employee Benefits](https://tsibinc.com/insurance/employee-benefits-programs/)
- [Owner’s Protective Professional Indemnity](https://tsibinc.com/insurance/commercial-insurance/owners-protective-professional-indemnity/)
- [Professional Liability](https://tsibinc.com/insurance/commercial-insurance/professional-liability/)
- Commercial Insurance 3
- [Railroad Protective Liability](https://tsibinc.com/insurance/commercial-insurance/railroad-protective-liability/)
- [Terrorism](https://tsibinc.com/insurance/commercial-insurance/terrorism/)
- [Umbrella](https://tsibinc.com/insurance/commercial-insurance/umbrella/)
- [Workers’ Compensation Insurance](https://tsibinc.com/insurance/commercial-insurance/workers-compensation-insurance/)
- Risk Solutions
- [Captives](https://tsibinc.com/insurance/risk-solutions/captives/)
- [Claims Services](https://tsibinc.com/insurance/risk-solutions/claims-services/)
- [Insurance Consulting](https://tsibinc.com/insurance/risk-solutions/insurance-consulting/)
- [Risk Management](https://tsibinc.com/insurance/risk-solutions/risk-management/)
- [Safety & Loss Control](https://tsibinc.com/insurance/risk-solutions/safety-loss-control/)
- [Small Contract Bond Program](https://tsibinc.com/insurance/risk-solutions/small-contract-bond-program/)
- [Surety Bonding](https://tsibinc.com/insurance/risk-solutions/surety/)
- Wrap-Ups
- [Co-Broker Partnerships](https://tsibinc.com/wrap-ups/co-broker/)
- [OCIP/CCIP](https://tsibinc.com/wrap-ups/ocip-ccip/)
- [Risk Management Information System](https://tsibinc.com/wrap-ups/risk-management-information-system/)
- [Wrap Administration](https://tsibinc.com/wrap-ups/wrap-administration/)
- [Wrap Claims Services](https://tsibinc.com/wrap-ups/claims-services/)
- [Wrap Risk Management](https://tsibinc.com/wrap-ups/risk-management/)
- [Wrap Safety & Loss Control](https://tsibinc.com/wrap-ups/safety-loss-control/)
- Industries
- [Aviation](https://tsibinc.com/why-tsib/industries/aviation/)
- [Civil Construction & Infrastructure](https://tsibinc.com/why-tsib/industries/civil-construction-infrastructure/)
- [Construction](https://tsibinc.com/why-tsib/industries/construction/)
- [Data Centers](https://tsibinc.com/why-tsib/industries/data-center/)
- [Education](https://tsibinc.com/why-tsib/industries/education/)
- [Industrial & Manufacturing](https://tsibinc.com/why-tsib/industries/industrial-manufacturing/)
- [Life Sciences](https://tsibinc.com/why-tsib/industries/life-sciences/)
- [Public Entity](https://tsibinc.com/why-tsib/industries/public-entity/)
- [Real Estate Developers](https://tsibinc.com/why-tsib/industries/real-estate-developers/)
- [Sports & Entertainment](https://tsibinc.com/why-tsib/industries/sports-entertainment/)
- MWBE Compliance
- Compliance Services
- [Program Consultancy and Owner’s Representative](https://tsibinc.com/mwbe-compliance/services/program-consultancy-and-owners-representative/)
- [Project Compliance and Monitoring](https://tsibinc.com/mwbe-compliance/services/project-compliance-and-monitoring/)
- [Specialty Programs](https://tsibinc.com/mwbe-compliance/services/specialty-programs/)
- [Small Business Capacity Building](https://tsibinc.com/mwbe-compliance/services/small-business-capacity-building/)
- [Software Solutions](https://tsibinc.com/mwbe-compliance/services/software-solutions/)
- Stakeholders/Clients
- [Owners/Agencies](https://tsibinc.com/mwbe-compliance/stakeholders-clients/owners-agencies/)
- [General Contractors and Construction Managers](https://tsibinc.com/mwbe-compliance/stakeholders-clients/general-contractors-and-construction-managers/)
- [Trade Partners](https://tsibinc.com/mwbe-compliance/stakeholders-clients/trade-partners/)
- [Diverse Businesses](https://tsibinc.com/mwbe-compliance/stakeholders-clients/diverse-businesses/)
- [Workforce](https://tsibinc.com/mwbe-compliance/stakeholders-clients/workforce/)
- Training
- [Federal/State/Local Private Requirements](https://tsibinc.com/mwbe-compliance/training/federal-state-local-private-requirements/)
- [Fraud Monitoring and Mitigation](https://tsibinc.com/mwbe-compliance/training/fraud-monitoring-and-mitigation/)
- [Insurance/Bonding/Capital](https://tsibinc.com/mwbe-compliance/training/insurance-bonding-capital/)
- Opportunities
- [Business Enterprise Questionnaire](https://tsibinc.com/mwbe-compliance/opportunities/business-enterprise-questionnaire/)
- [Out of Work List](https://tsibinc.com/mwbe-compliance/opportunities/out-of-work-list/)
- [MWBE Support & Services](https://tsibinc.com/mwbe-compliance/opportunities/mwbe-support-services/)
- Why TSIB
- [Our Difference](https://tsibinc.com/why-tsib/our-difference/)
- [Meet the Team](https://tsibinc.com/why-tsib/meet-our-team/)
- [Careers](https://tsibinc.com/why-tsib/careers/)
- [Blog](https://blog.tsibinc.com/)
This is a search field with an auto-suggest feature attached.
- There are no suggestions because the search field is empty.
{id=5773598883, name=Workers' Compensation, slug=workers-compensation}
# Knowledge Corner
July 25, 2024
## Ensure Your Company Has the Proper Disability Benefits
- [Tweet](https://twitter.com/share)
Becoming disabled while on the job is a scary situation. Whether it’s a temporary disability, like breaking a leg or a permanent disability such as being paralyzed, disabilities can come in many forms. As an employee, it’s important to understand the different types of disability claims you may qualify for if injured on the job as they will help compensate for any lost wages.
Here are 4 types of [disability claims](https://www.wcb.ny.gov/content/main/Workers/DisabilityClass.jsp):
1. 1. **Permanent Total Disability**
When an employee endures an injury or illness that permanently prevents them from being able to return to work to the capacity they had been in before. In this situation, some states provide lifetime benefits.
2. **Permanent Partial Disability **
When an employee can return to work after an injury or illness, however, they suffer permanent damage or impairment that hinders them from being able to conduct their previously normal tasks.
3. **Temporary Total Disability**
When an employee temporarily cannot return to work to recover from the injury or illness.
4. **Temporary Partial Disability**
When an employee cannot conduct their normal duties and therefore is not being paid the complete portion of the salary.
These disability claims are submitted under your company’s [Workers’ Compensation (WC)](https://tsibinc.com/insurance/commercial-insurance/workers-compensation-insurance/) insurance. The purpose of WC is to cover an employee’s lost wages and medical expenses due to a work-related injury or illness. It provides employees with [those benefits](https://blog.tsibinc.com/6-benefits-to-workers-compensation), while protecting a company from potential lawsuits. WC insurance is required [in almost](https://www.thehartford.com/workers-compensation/workers-comp-laws-state) every state. [Reach out](https://tsibinc.com/contact-us/?_gl=1*184gjqv*_ga*MTA4MjA4MDMzMi4xNzAzMTg4NzIy*_ga_HS6F05ETYT*MTcyMTgzMjU1OS4yODAuMS4xNzIxODMyNzc0LjUyLjAuODMzNzI2NjU2) to TSIB to learn more!
[](https://cta-redirect.hubspot.com/cta/redirect/3391365/ebf39959-60c0-467d-b020-876afc8b5659)
TSIB’s Risk Consultants are currently servicing the following locations:
East Coast: New York City, NY; [Bergen County, NJ](https://tsibinc.com/contact-us/new-jersey/); [Fairfield County, CT](https://tsibinc.com/contact-us/connecticut/); [Philadelphia, PA](https://tsibinc.com/contact-us/philadelphia/)
Texas: [Austin](https://tsibinc.com/contact-us/texas/), San Antonio, Houston, Dallas
California: [Orange County](https://tsibinc.com/contact-us/santa-ana-california/), [Los Angeles County](https://tsibinc.com/contact-us/valencia-california/), Riverside County, San Bernardino County, [San Diego County](https://tsibinc.com/contact-us/valencia-california/)
Image credit: shutterstock.com/g/apops
Topics: [Workers' Compensation](https://blog.tsibinc.com/topic/workers-compensation), [Employee Benefits](https://blog.tsibinc.com/topic/employee-benefits)
Written by [The TSIB Team](https://blog.tsibinc.com/author/the-tsib-team)
All Authors and TSIB
### Comments
Comment Cancel
[Back to Blog](https://blog.tsibinc.com/)
## Sign-up for TSIB’s weekly Blog
[Sign Up](https://tsibinc.com/blog-sign-up)
[](https://tsibinc.com)
**Join our dynamic team!**
At TSIB, we are Committed to our Clients and to our workforce.
[Learn more](https://tsibinc.com/careers/)
###### Client support
**Insurance:**
[(201) 267-7500](tel:2012677500)
**Wrap-Ups:**
[(203) 945-1780](tel:2039451780)
**Surety:**
[(201) 267-7500](tel:2012677500)
**Employee Benefits:**
[(213) 369-4496](tel:2133694496)
[View All Contacts](https://tsibinc.com/contact-us/)
###### Recent Blog
- [Construction Insurance: Why a Coordinated Risk Strategy Matters](https://blog.tsibinc.com/construction-insurance-why-a-coordinated-risk-strategy-matters)
- [3 Pillars that Build a Safety Culture](https://blog.tsibinc.com/3-pillars-that-build-a-safety-culture)
- [The Human Side of Construction Safety](https://blog.tsibinc.com/the-human-side-of-construction-safety)
- [How to Manage Heat Safety on Construction Jobsites](https://blog.tsibinc.com/how-to-manage-heat-safety-on-construction-jobsites)
Blog Sign-Up
[Sign up today](https://tsibinc.com/blog-sign-up)
###### Connect with us
-
-
-
-
-
[](https://www.insurancejournal.com/top-100-insurance-agencies/)
The material on the website is for informational purposes only. It should not be construed as legal advice and is recommended you contact your attorney for legal advice.
Copyright © 2026 by Turner Surety & Insurance Brokerage, Inc.
- [Locations](https://tsibinc.com/contact-us/)
- [Terms of Use](https://tsibinc.com/terms-of-use/)
- [Privacy Policy](https://tsibinc.com/privacy-policy/)
```json
{
"@context" : "https://schema.org",
"@type" : "BlogPosting",
"author" : {
"@type" : "Person",
"name" : "The TSIB Team",
"url" : "https://blog.tsibinc.com/author/the-tsib-team"
},
"dateModified" : "2024-07-26T15:45:00.632Z",
"datePublished" : "2024-07-26T15:45:00.000Z",
"headline" : "Ensure Your Company Has the Proper Disability Benefits",
"image" : [ "https://blog.tsibinc.com/hubfs/shutterstock_2032605926.jpg" ],
"mainEntityOfPage" : {
"@id" : "https://blog.tsibinc.com/ensure-your-company-has-the-proper-disability-benefits",
"@type" : "WebPage"
},
"publisher" : {
"@type" : "Organization",
"logo" : {
"@type" : "ImageObject",
"url" : "https://blog.tsibinc.com/hubfs/turner-surety-and-insurance-brokerage-r-logo2x.png"
},
"name" : "TSIB"
}
}
```