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Understanding Your Workers’ Compensation Claim: 6 Terms Defined

Workers’ compensation is not something many of us think of until the time comes when we actually need it. However, this area of law is complex and can be a lot to take in if you never previously dealt with it. To better understand your situation and the road ahead, you should learn more about some of the most common workers’ compensation claim terms. We compiled a list of 6 of the most common terms and their definitions.

Common Workers’ Compensation Claims Defined

As you move forward with your workers’ compensation claim, you will come across many terms you are likely unfamiliar with. Although your attorney will have the answers to your questions about these terms, it is also helpful to be proactive in your own case and learn as much as you can.

Here are the definitions to 6 of the most common workers’ compensation claims:

  1. Independent Medical Examination (IME): To assess your condition, you will undergo an examination conducted by an independent physician. An employer or their workers’ compensation insurance company can require an injured worker to submit to an IME. Generally, an IME is only requested if the employer or insurance company is in doubt of an injured employee’s condition and the results are often used to contest a claim.
  1. Maximum Medical Improvement (MMI): An injured employee’s MMI is usually assigned by the treating physician once the employee’s condition stabilizes to the point where no further change is anticipated. If the employee is fully recovered, the payment of workers’ compensation will come to an end.
  1. Permanent Total Disability (PTD): These types of benefits are paid out to employees who can never return to gainful employment due to their workplace injury. Moreover, these benefits typically last for the rest of the injured employee’s life.
  1. Permanent Partial Disability (PPD): In some cases, when an injured worker is assigned MMI and can return to gainful employment, but has a loss of some function due to the on-the-job injury he or she suffered, this is known as a permanent partial disability (PPD).
  1. Temporary Total Disability (TTD): If an employee is temporarily totally disabled, he or she can receive these benefits, which are usually paid every week. The benefits would cease to continue after achieving MMI.
  1. Temporary Partial Disability (TPD): If an injured employee returns to work after sustaining a work-related injury without achieving MMI and is earning less than he or she previously earned, TPD benefits can supplement the difference. That said, these benefits are less common than most others.

Speak to an Experienced Workers’ Compensation Attorney Today!

If you were injured at work, you could be eligible for workers’ compensation benefits, which can help keep you on your feet while you recover from your injuries. At Price, Petho & Anderson, our workers’ compensation attorneys are committed to assisting injured employees throughout this complex legal process to ensure they obtain these vital benefits.

Reach out to our law office today at (704) 350-2630 to set up a free consultation. We are available 24/7 to take your call.

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