Disability and Benefits
If your claim has been accepted (or admitted) by the respondents and you are losing time from work because of your injury, you may be entitled to either Temporary Total or Temporary Partial Disability benefits. The respondents will not pay lost wage benefits until you have missed three shifts from work. This “waiting period” will be reimbursed if you miss more than two weeks as a result of your injury.
Temporary Total Disability (TTD)
Temporary Partial Disability (TPD)
Temporary Partial Disability (TPD) is paid when you return to work but you are not earning your normal pay or working your regular hours due to your injury (including missed work for medical appointments). The amount of TPD you will receive is determined by subtracting the amount you were paid from the amount you would have been paid if you hadn’t been injured. Contact your adjuster to let them know you are not earning your pre-injury wages.
Temporary disability benefits will end when:
- You return to work at your pre-injury wage
- You are given a release to return to regular work by the authorized treating physician
- You are given written release by the authorized treating physician to return to modified work
- You fail to appear at a rescheduled medical appointment with knowledge that absence will result in suspension of temporary disability benefits
- Your authorized treating physician determines that you have reached maximum medical improvement (MMI), meaning that your injury or illness has become stable and no further medical treatment will improve your condition
- The insurer requests to modify, terminate, or suspend benefits for reasons other than those listed above
Once you have been placed at Maximum Medical Improvement (MMI), your doctor determines the amount of loss in the form of a percentage. If your doctor is unable to do this, they may refer you to another doctor who can. Impairment is a permanent loss of function of a body part or system. For instance, you may no longer be able to use your hand the same way you did prior to being injured. Your doctor determines the amount of loss you should receive.
There are two types of disability awards:
- For loss of function to your toes, feet, legs, fingers, hands, arms, eyes, vision or hearing, you would receive a “scheduled” impairment.
- For loss of function to your spine, lungs, or mental function, you would receive a “Non-Scheduled” (whole person) impairment.
Permanent Partial Disability (PPD)
Permanent Partial Disability (PPD) or medical impairment benefits are those benefits that compensate a claimant for permanent loss of function or impairment to a particular body part. The amount of PPD you will receive will be calculated using the percentage of loss determined by the doctor and the Colorado State statute.
Permanent Total Disability (PTD)
Permanent Total Disability (PTD) means you are unable to earn any wages for the rest of your life. Benefits for PTD are paid at the same amount as Temporary Total Disability (TTD).
Division of Workers' Compensation
633 17th Street, Suite 400
Denver, CO 80202
303-318-8700 (Metro Area)