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If you've been injured on the job, one of your first concerns may be how you'll pay your bills while recovering. Will you continue receiving your regular paycheck? Does workers' compensation cover lost wages? What happens if your injury prevents you from returning to work?
In this video, Roger B. Finderson, Managing Attorney at Finderson Law, explains when injured Indiana workers may qualify for wage replacement benefits, how temporary total disability (TTD) is calculated, and what Indiana's waiting period means for injured employees.
The short answer is yes, you may qualify for wage replacement benefits if a work-related injury prevents you from working or limits your ability to earn your regular wages.
Indiana workers' compensation is designed to provide financial assistance to qualifying employees who experience workplace injuries or occupational illnesses. Depending on your circumstances, these benefits may help replace a portion of your lost income while you recover.
However, workers' compensation benefits are not necessarily the same as receiving your regular paycheck. The amount and duration of compensation depend on several factors, including your average weekly wages, medical restrictions, and ability to return to work.
Understanding your rights after a workplace injury can help you make informed decisions about your recovery and financial future.
Indiana's workers' compensation system provides different types of benefits depending on how a workplace injury affects an employee's ability to work.
Some of the most common wage-related benefits include:
For qualifying temporary total disability claims, Indiana generally provides wage replacement equal to 66⅔% of the injured worker's average weekly wage, subject to statutory limits.
Indiana also has a seven-day waiting period. Temporary disability benefits generally become payable when a qualifying worker is unable to work for more than seven days. If the disability continues longer than 21 days, compensation for the initial seven-day waiting period may also become payable.
Not every injured worker qualifies for every benefit. Medical findings, work restrictions, claim eligibility, and other circumstances can affect the benefits available.
If you're unsure whether you're receiving the correct compensation, speaking with an experienced Indiana workers' compensation attorney can help you better understand your options.
A workplace injury can raise questions about medical treatment, lost income, insurance companies, and what happens next.
Finderson Law provides additional resources to help injured Indiana workers understand their rights and navigate the workers' compensation process.
Learn more about workplace injury claims, available benefits, and how Finderson Law helps injured workers throughout Indiana.
Learn what to expect after reporting a workplace injury and how the claims process may progress.
Learn how temporary total disability (TTD) and temporary partial disability (TPD) benefits may help replace lost wages following a qualifying workplace injury.
Prefer reading instead of watching? Expand the transcript below to review Roger Finderson's complete explanation of wage replacement benefits following a workplace injury.
Hi, I'm Roger Finderson of Finderson Law. Injured workers call us frequently. Many questions are on their mind.
One of the questions that is frequently asked of us is, “Will I get paid while I'm off work?”
If you have certain facts in your case, the answer is yes, you will get paid.
For instance, your accident and injury must arise out of and in the course of your employment with your employer, and your assigned doctor must order you off of work or provide you with restrictions that prevent you from doing any work at your employer's place of business.
In that case, if you're off work longer than seven days, our waiting period, you'll be entitled to temporary total disability, which we call TTD.
That is your average weekly wage, or AWW, multiplied times two-thirds, or 66.67%.
So long as that is not our maximum level in the state of Indiana under our statute, you will receive that amount while you're off work.
Feel free to give us a call. The consultation is free. We have an A+ team, and we'll make you feel like family.
260-420-8600.
I look forward to speaking with you.
A workplace injury can affect more than your health. Missed wages, medical expenses, and uncertainty about returning to work can create significant financial pressure.
At Finderson Law, we help injured Indiana workers understand their rights, navigate workers' compensation claims, and pursue the benefits available under the law.
Your initial consultation is free.
