In Georgia, workers’ compensation provides financial support to employees who suffer job-related injuries or illnesses. Understanding the types of benefits and their calculations is essential for affected workers.
Types of Workers’ Compensation Benefits in Georgia
- Temporary Total Disability (TTD) Benefits: If an injury prevents you from working for at least seven days, you’re eligible for TTD benefits. These benefits amount to two-thirds of your average weekly wage, capped at $675 per week. Payments commence after the seventh day of disability; however, if the disability persists for 21 consecutive days, compensation for the initial week is retroactively provided. TTD benefits can continue for up to 400 weeks from the injury date, unless the injury is classified as catastrophic, in which case benefits may extend for life.
- Temporary Partial Disability (TPD) Benefits: If you can return to work in a reduced capacity or at a lower-paying job due to your injury, TPD benefits are available. These benefits are calculated at two-thirds of the difference between your pre-injury and post-injury wages, with a maximum of $450 per week, and are payable for up to 350 weeks from the date of injury.
- Permanent Partial Disability (PPD) Benefits: When an injury results in permanent impairment but doesn’t completely hinder your ability to work, PPD benefits apply. The benefit amount and duration depend on the severity and location of the impairment, as outlined in the state’s schedule of injuries.
- Medical Benefits: Workers’ compensation covers all necessary and reasonable medical treatments related to the work injury. This includes doctor visits, hospital stays, physical therapy, prescriptions, and any other required medical services. These benefits are generally available for up to 400 weeks, but for catastrophic injuries, they may be extended for life.
- Death Benefits: If a work-related injury or illness results in death, the deceased worker’s dependents may receive death benefits. These benefits include compensation for funeral expenses and a portion of the worker’s average weekly wage, subject to state-specific limits and durations.
Important Considerations
- Eligibility: To qualify for workers’ compensation in Georgia, the injury must occur in the course of employment, and the employer must have at least three employees.
- Reporting: It’s crucial to report any workplace injury to your employer immediately. Delays in reporting can affect your eligibility for benefits.
- Filing a Claim: If you encounter issues receiving your benefits, you must file a claim within one year from the date of the accident by submitting Form WC-14 to the State Board of Workers’ Compensation.
Understanding these benefits ensures that injured workers in Georgia can effectively navigate the workers’ compensation system and secure the support they need during recovery.