Workers’ compensation is different than anything else in the world.
You get paid after 21 days and it’s a pain in the fanny.
What happens is you have a seven-day wait period. That means, you’ve got to be off seven days before they owe you a check.
Then, you have to be off an additional 14 days. So the first check will be a makeup check for the one week and then you get a two-week check. Checks start coming every two weeks.
There’s a couple of ways that you get paid. (1), your TTD; Temporary Total Disability, look on your check, TTD, that means you’re temporarily, till the next time you see the doctor, totally disabled. Stay home, watch TV, don’t go to work.
You get 66% of your checks. So if you make $1,000 a week, you get $666.
The second way is your TPD; Temporary Partial Disability. That means that you’re temporarily, till the next time you see the doctor, partially disabled.
It means, light duty, no lifting over five pounds.
Well, a construction guy goes back to the job and the boss man goes, “your tool belt weighs 20 pounds, and you’ve got to take 2x4s up the scaffolding. Go home, I don’t have work,” you get 64%. It’s a formula.
The final way is that they bring you back to work and you’re making $15 an hour, and they start paying you minimum wage. Then you’ll get a check from your employer for the lesser amount and comp will make up a difference up to that 66%, 64%.
You get that until you reach Maximum Medical Improvement. That’s when the doctor says, he’s through treating.
Your checks stop or stay in the claim.
They’ll pay you impairment benefits based on what your impairment is. That’s a formula based on what the doctor thinks you get and that’s basically how you get paid.