When it comes to workplace injuries, understanding your rights and options is important. Workers’ compensation coverage provides you with financial support following an injury or illness related to your job. As you navigate the process, you might hear phrases such as ‘total disability’ and ‘partial disability’ without explanation.
You should understand what the terms mean and how they might affect your claim.
Total disability benefits
Total disability refers to an individual who is unable to work in any form of employment. The extent of the injury or illness may prevent them from not only working in their previous role but also from seeking any other opportunities.
Total disability does not mean that you are immobile or bedridden. It refers to your ability to carry out job-related duties, not personal ones or routine daily activities. Total disability benefits provide financial support while you are unable to work at all.
Partial disability benefits
Individuals who can still work but face some limitations due to an injury or illness typically receive partial disability benefits. Partial disability means you can do some work tasks but cannot work in your previous role or other higher-paying positions.
Partial disability benefits offset your reduced earning capacity as a result of the limitations. The amount of your award depends upon the extent of the disability and its effect on your earning potential.
According to the Bureau of Labor Statistics, employers reported 2.6 million non-fatal injuries on the job in 2021. Clear communication and understanding help you protect your rights and receive the proper compensation in such a high-volume process. Understanding the difference between total and partial disability is an important part of fighting for the compensation that you deserve.
