Knowledge Corner

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:

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) 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, while protecting a company from potential lawsuits. WC insurance is required in almost every state. Reach out to TSIB to learn more!
   
   

TSIB’s Risk Consultants are currently servicing the following locations:
East Coast: New York City, NY; Bergen County, NJ; Fairfield County, CT; Philadelphia, PA
Texas: Austin, San Antonio, Houston, Dallas
California: Orange County, Los Angeles County, Riverside County, San Bernardino County, San Diego County

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