What Is Permanent Total Disability?
Permanent total disability (PTD) is part of the workers’ compensation system in the state of Illinois. It typically provides lifetime financial support for employees who have sustained a permanent work-related injury or illness and are unable to work. PTD is paid by your employer or their workers’ compensation insurance company.
Permanent Total Disability Benefits Under Illinois Workers’ Compensation Law
You are eligible for PTD in Illinois if:
If either of these describe your situation, you have the right to receive lifetime disability benefits equal to two-thirds (66.6%) of your average weekly wage. It’s important to note that this is subject to a maximum of 133.3% of the state average weekly wage at the time of your injury. Check here for the latest benefit numbers.
PTD benefits are typically only paid after you have received treatment and your doctor has determined that you have reached maximum medical improvement (MMI), meaning that your injury is not expected to further improve.
Permanent Total Disability (PTD) vs. Permanent Partial Disability (PPD)
Permanent total disability benefits applies to workers who are completely and permanently unable to work, while permanent partial disability benefits are paid to workers who are partially disabled but still able to work.
What Benefits Does Permanent Total Disability Provide?
The primary PTD workers comp benefit is monetary compensation, as described above. Depending on your specific circumstances you may also be eligible for medical benefits, but usually only for a limited time. You may be covered for medical benefits such as hearing aids and prosthetic devices that are necessary as a result of a work-related injury or illness, for example.
Benefits of Having Legal Representation for Your PTD Claim
Having a skilled attorney at your side can significantly increase your chances of securing a more favorable permanent total disability outcome. The experienced attorneys at The Law Offices of Marc J. Shuman & Associates, LTD. understand disability law in the state of Illinois and will work hard to get you the compensation you deserve, so you and your family can move forward with a secure financial future.