As a business owner, you understand that it is required to purchase Massachusetts workers compensation, whether you have one employee or 200. That being said, it is important that you make yourself familiar with the policy, procedures and relating areas. One important matter to make yourself familiar with: disability.

Today, we want to discuss four major types of disability:

#1: Permanent Partial Disability: PPD means that an injured employee cannot return to the same type of work that he or she was doing before the injury. The individual is “permanently impaired,” limiting their ability to continue this type of work.

#2: Permanent Total Disability: PTD refers to an individual who cannot do ANY type of work in general. The individual is completely incapable to engage in any type of rewarding activities, permanently.

#3: Temporary Partial Disability: TPD means that the injured employee is able to do SOME type of work, but it must be limited. The individual can only handle work for a short period of time in order to fully recover, or else he or she may relapse.

#4: Temporary Total Disability: TTD refers to an individual who cannot work for a short period of time. During this temporary time period, workers compensation will kick in to cover the employee while they are out and recovering.

At Wolpert Insurance, we want to make sure you are aware of these four types of disability. After all, you will be the one providing Massachusetts workers compensation to these workers! For more information on workers compensation or disability, contact our experts here at Wolpert Insurance. We would be more than happy to answer any questions you may have or provide you with a free quote!