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Temporary Disability Insurance Coverage

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Workers Comp Temporary Disability

If an employee is injured on the job or becomes ill due to job specific duties, they may be required to abstain from work for a temporary period of time. If the employee’s physician determines that they must remain off of work for more than three days, workers compensation may provide the employee with temporary disability benefits to help offset the lost wages.

A doctor must verify that the employee is unable to return to work because of the work related injury or illness. If qualified, the employee can receive up to two-thirds of their normal wages as long as that amount does not exceed the maximum allowed. The maximum allowable amount is restricted by state law.

Temporary disability payments are paid to the employee every two weeks for a maximum of two years. Some types of injuries may qualify for a maximum of four years. Temporary disability benefits expire when the employee returns to work. If the employee is unable to return to work or is determined by their treating physician that their condition is permanent, temporary disability payments will end and permanent disability benefits may apply.