Know the Difference Between Permanent Partial Disability and Permanent Total Disability
When an employee reaches maximum medical improvement (MMI) but still has medical issues from his/her on the job injury or occupational disease, the employee will normally be eligible for permanent disability benefits. The Illinois Workers Compensation statute recognizes two types of permanent disability benefits. While the names vary by state, the most common used names are:
1. Permanent partial disability (PPD)
2. Permanent total disability (PTD)
PERMANENT PARTIAL DISABILITY:
PPD benefits are paid to employees who have a permanent physical impairment but can return to some type of work. The amount of PPD benefits can be either a percentage of a body part, a percentage of the body as a whole, or a set scheduled amount. The calculation of the benefit amount will depend on which of these three types of ratings is given.
PERMANENT TOTAL DISABILITY:
When the treating physician and the IME doctor (Independent Medical Evaluation doctor selected by the workers compensation company) agree the employee will never be able to return to any type of employment, the employee is given a disability rating of 100%. With a 100% whole body disability rating, a PTD rating is almost automatic.
The adjuster will take the 100% disability rating for the whole body and multiply it by the number of weeks the state statutes allow for whole body. If the statutes states the whole body is worth 400 weeks, a 100% rating equals 400 weeks. The adjuster would then multiply the number of weeks by the PTD compensation rate.