What Is Permanent Total Disability?
Permanent total disability (PTD) is part of the workers’ compensation system in the state of Illinois. Typically, it provides lifetime financial support for employees who have sustained a permanent work-related injury or illness and are unable to work. Furthermore, your employer or their workers’ compensation insurance company will pay your PDT benefits.
Permanent Total Disability Benefits Under Illinois Workers’ Compensation Law
You are eligible for PTD in Illinois if:
- You are completely unable to work, permanently
- You’ve suffered the loss of use of both eyes, hands, arms, legs, feet (or any combination thereof).
If either of these describes your situation, you have the right to receive lifetime disability benefits. Essentially, these are equal to two-thirds (66.6%) of your average weekly wage. Furthermore, 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.
PTD benefits are typically only paid after you have received treatment and your doctor has determined that you have reached maximum medical improvement (MMI). This means that your injury will not improve further.
Permanent Total Disability (PTD) vs. Permanent Partial Disability (PPD)
PTD (Permanent total disability) benefits apply to workers who are completely and permanently unable to work. On the other hand, workers who are partially disabled but still able to work can receive permanent partial disability benefits.
What Benefits Does PTD 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 have cover for medical benefits such as hearing aids and prosthetic devices that you need as a result of a work 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.