Total Disability Benefits in Connecticut
Total disability is defined as a condition in which an injury severely impairs the physical and/or mental capabilities of an individual, rendering them unable to resume their normal occupational or non-occupational activities. This type of disability can persist even after the individual has healed to the fullest extent possible. In Connecticut, if a worker qualifies as totally disabled under the state’s definition, they are typically entitled to receive full total disability benefits. This is true even if they later take on another job and start earning income elsewhere.
However, it is important to note that some insurance companies may have restrictive definitions of total disability coverage. In such cases, they may not provide benefits to an individual who chooses to seek employment in a different capacity. Regardless, individuals suffering from total disabilities should be eligible for financial compensation to replace the wages they would have otherwise earned, had they not been incapacitated by their condition.
Understanding Total Disability vs. Partial Disability Benefits
Both total and partial disability benefits are designed to offer protection to workers who sustain injuries under work-related circumstances. However, there are key distinctions between the two:
- Permanent Partial Disability: This classification indicates that the worker is still able to perform some duties related to their job but not at their previous full capacity. Common examples of permanent partial disabilities include hearing loss, back injuries, amputations, and vision impairment. Approximately half of all workers’ compensation claims fall under this category.
- Permanent Total Disability: In contrast, this category signifies that the worker is completely disabled due to a work-related injury or illness and is no longer able to perform any work for which they are trained. Severe injuries, such as the loss of limbs or both eyes, typically qualify as permanent total disabilities.
How Total Disability Benefits Work in Connecticut
In Connecticut, if you are unable to work due to a work-related injury for more than seven days, you may qualify for temporary total disability benefits. These benefits typically provide compensation at two-thirds of your average weekly wage prior to the injury, up to a maximum limit set by law. As of October 2023, this cap is $1,000 per week.
You will continue to receive these benefits until either 52 weeks have passed or you reach maximum medical improvement, which is when your doctor determines that you have recovered as much as possible. If your condition is deemed to result in a permanent and total disability, Connecticut law mandates that you will receive weekly disability payments for the rest of your life at the same rate.
Your Rights and Next Steps
If you have suffered a work-related injury, you are entitled to financial recovery to help cover your medical expenses and provide for your livelihood during your transition to life after injury. Navigating the complexities of workers’ compensation claims can be challenging, especially when dealing with insurance companies that may not provide the necessary benefits you need for your recovery.
Contact Etemi Law for Assistance
At Etemi Law, we understand the challenges faced by injured workers in Connecticut. Our dedicated team is committed to helping you secure the benefits you deserve. We offer a FREE consultation to discuss your unique situation and explore your options for obtaining the compensation you need.
Don’t navigate this process alone. Reach out to us today at (203) 409-8424 to speak with an experienced workers’ compensation lawyer who can guide you through the intricacies of your case and advocate on your behalf.
Remember, you don’t have to face this battle by yourself. Let Etemi Law support you in your journey to recovery and financial stability.
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