Workers Comp Benefits: Partial Incapacity & Permanent and Total Incapacity

We are officially in week three of Wolpert Insurance’s Massachusetts workers compensation September Series. Are you starting to feel like a workers comp benefits’ genius yet? Great! We have plenty of more information to share.

Since we have TWO different benefits to discuss today, let’s get right down to business.

Partial Incapacity Benefits:

Employees who qualify for this type of workers compensation benefit are able to continue working. HOWEVER, these employees will lose a part of his or her earning capacity due to the injury or illness. For example: If the illness or injury complicates an employee’s ability to stay in his or her current job position, he or she will be forced to switch jobs for the time being—often resulting in less hours and a lower pay rate.

Under law, the max compensation is limited to 75% of what the employee’s weekly total temporary benefits would be. These benefits can be received for up to 260 weeks.

Permanent and Total Incapacity Benefits:

On the other end of the spectrum, there are employees are who permanently unable to work due to an injury or illness. If this is the case for one of your employees, he or she will receive two-thirds of their average weekly wage, based on the prior 52 weeks. Another benefit? Employees qualified for this benefit may be entitled to annual cost-of-living adjustments (COLA). Employees are able to receive such benefits for as long as they are unable to work.

Business owners who have questions or concerns about the above two benefits, please forward your questions to our agency by calling 877-215-1571. Our educated staff is ready and waiting to answer all of your burning questions. If you have missed our last two posts in our September Series, you can find them here:

Temporary Total Incapacity Benefits
Medical Benefits

Come on back next week to learn all about Permanent Loss of Function and Disfigurement Benefits!