Disability and Benefits

Temporary Disability

Employees who lose more than three shifts or three days of work as the result of an injury or illness may be eligible to receive a form of wage replacement called temporary disability. Temporary disability begins on the 4th day of work loss and must be paid every 2 weeks until terminated in accordance with the law. There are two types of temporary disability and corresponding benefits: 

Temporary Total Disability (TTD)

  • Due when the injured worker is temporarily but totally disabled and unable to earn wages

Temporary Partial Disability (TPD)

  • Due when the injured worker returns to work before reaching MMI
  • Due when the injured worker is not released to usual duties or returns to modified duty with reduced wages or hours
  • Due when the injured worker is earning less than the average weekly wage (AWW)

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

Permanent Partial Disability (PPD)

Permanent partial disability means a permanent loss of function to a body part or body system (nervous system, respiratory system, digestive system, etc.) If you are unable to fully recover from your injury or illness (for example, due to the loss of use of your hand), your authorized treating doctor will determine the amount of permanent impairment and award a percentage. There are two types of permanent partial disability:

Scheduled Impairment: loss of function affecting the toes, feet, legs, fingers, hands, arms, eyes, vision or hearing, compensated based on a schedule of values related to each body part

Non-Scheduled (Whole Person) Impairment: loss of function affecting body parts not listed on the schedule above, such as the spine, lungs, and mental function, compensated based on factors of impairment rating assigned by the doctor, age factors, a fixed factor of 400 weeks, and temporary total disability rate

Except for permanent total disability, awards for permanent impairment do not include any wage loss that may have occurred due to the injury or illness. If you have any further questions regarding permanent total disability or disfigurement, call Customer Service at 303-318-8700.

Permanent Total Disability (PTD)

Permanent total disability means the employee is unable to earn any wages. Benefits for PTD are based on 2/3 the average weekly wage in effect at the time of the injury or illness and are paid for the lifetime of the injured worker.

Contact Us

Division of Workers' Compensation
633 17th Street, Suite 400
Denver, CO 80202
303-318-8700 (Metro Area)
303-318-8710 (Fax)
1-888-390-7936 (Toll-Free)