Understanding the differences between temporary and permanent disability benefits under Illinois workers’ compensation law is important if you’re dealing with a work-related injury. Knowing what to expect can help you secure the benefits you need during your recovery.
Temporary disability benefits
Temporary disability benefits support workers who can’t perform their usual job duties due to a work-related injury. These benefits fall into two categories.
Temporary total disability (TTD) applies when you’re completely unable to work. In Illinois, TTD benefits equal two-thirds of your average weekly wage. Payments continue until you can return to work or reach maximum medical improvement (MMI), meaning your condition has stabilized.
Temporary partial disability (TPD) applies if you can perform light-duty or part-time work at a lower wage. TPD benefits cover two-thirds of the difference between your pre-injury and post-injury earnings. This ensures you receive partial compensation for lost wages.
Permanent disability benefits
Permanent disability benefits apply when a work injury results in lasting impairment. The two main types are permanent partial disability (PPD) and permanent total disability (PTD).
PPD benefits apply if you can still work but have a permanent impairment. The amount and duration of payments depend on the severity of the injury and its effect on your job.
PTD benefits apply if your injury prevents you from performing any gainful employment. In Illinois, PTD benefits provide two-thirds of your average weekly wage and may continue for life.
Qualifying for benefits
Your eligibility for disability benefits depends on medical evaluations, work capacity, and MMI. A licensed healthcare provider must assess your condition and determine its severity. If you are unable to work temporarily, you may qualify for temporary benefits.
Once you reach MMI, temporary benefits end, and if you have a lasting impairment, you may transition to permanent disability benefits. Your ability to return to work, even in a limited role, also affects whether you receive partial or total disability benefits.
Understanding your rights
Workers’ compensation benefits help protect your financial stability after a workplace injury. Knowing the differences between temporary and permanent disability benefits can ensure you receive the appropriate support based on your condition.
