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What is the difference between medical and wage benefits?

On Behalf of | Oct 1, 2023 | Workers' Compensation

When it comes to workers’ compensation, understanding the nuances of medical and wage benefits is crucial. These two components play a pivotal role in providing financial support and healthcare coverage to injured or ill workers.

Exploring the differences between medical and wage benefits in the context of workers’ compensation helps to shed light on the intricacies that employers, employees and insurance providers need to navigate before a worker’s rightful claim can be resolved favorably.

Medical benefits in workers’ compensation

Medical benefits are a crucial aspect of workers’ compensation, aimed at helping ensure that injured employees receive the necessary medical care to recover from their work-related injuries or illnesses. Medical benefits encompass the payment of medical expenses directly related to the treatment and recovery of the injured worker. This can include doctor’s visits, hospitalization, surgery, medication and physical therapy.

Wage benefits in workers’ compensation

Wage benefits, or indemnity benefits, are designed to compensate injured employees for the wages they lose due to their work-related injury or illness. Wage benefits can come in the form of Temporary Total Disability (TTD) Benefits, which are provided when an injured worker is temporarily unable to perform any work due to the injury. TTD benefits typically replace a portion of the worker’s lost wages. Other forms of wage benefits include:

  • Temporary Partial Disability (TPD) benefits
  • Permanent Total Disability (PTD) benefits
  • Permanent Partial Disability (PPD) benefits

The duration of wage benefits can vary based on the severity of the injury and the worker’s ability to return to work. Temporary benefits may cease once the worker has recovered, while permanent benefits may continue indefinitely.

The interplay between these benefits can offer relatively comprehensive assistance to injured workers, facilitating their recovery and return to the workforce. Remembering to enlist legal assistance when pursuing workers’ compensation can help to ensure favorable outcomes.