There are three aveneues for weekly disability benefits, 1) Temporary Total Disability, 2) Temporary Partial Disability and 3) Permanent and Total disability benefits.
- Temporary Total Incapacity Benefits:
- Up to 156 weeks or 3 years
- Temporary Partial Incapacity Benefits:
- Up to 260 weeks or 5 years. However, you are entitled to 7 years of benefits when combining Temporary Total and Temporary Partial Disability. For example, if you receive 3 years of temporary total disability benefits, you cannot receive an additional 5 years of partial disability benefits. However, you can receive another 4 years of partial disability benefits.
- Permanent and Total Incapacity Benefits:
- There is no limit and it is for as long as you are permanently and totally disabled. Remember, just because you are permanent and total disability benefits does not mean you will be on it for the rest of your life. The insurance company can always file a complaint to discontinue your benefits at any time.
- You are entitled to medical benefits as long as medical services are needed, but the insurance carrier has the right to deny or stop treatment if they think you do not need it anymore. You are able to appeal a denial of treatment through the DIA.
Remember, once you are receiving benefits you need to provide disability opinions from a medical provider. If your doctor releases you back to work, the insurer will terminate your benefits or at the very least, file a complaint to discontinue your benefits.