In some states, PPD disabilities are divided into two categories: schedule and non-schedule. “Schedule” injury disabilities assign benefits according to particular body parts, such as hand, finger, eye, etc. PPD disabled workers with a schedule injury are eligible for a specified number of weeks of disability payments. A worker who has lost a finger may get 52 weeks of disability pay based on 66 2/3 of their average weekly pay.

Non-schedule injuries are determined based on how the particular state evaluates the injured worker’s impairment, loss of earning capacity, loss of wages and additional factors.

In addition to disability payments, most state’s workers compensation laws also provide vocational rehabilitation for injured workers unable to return to their previous jobs, either due to physical or even mental injury. 

For more information or help, contact the Insurance professionals of EPIC’s PCOC Insurance Program. Call us at: 877.860.7378, or visit us at www.pcocinsuurance.com.

Paul Lindsay
Senior Vice President
EPIC Insurance Brokers & Consultants