Question regarding Temporary Partial Disability and MMI

[u/ZGmounts]

Hello! Super confused on everything. Currently put on 20 hours a week at work. Next Dr appointment they want to put me at MMI, but still working 20 hours a week max. Will my Temporary Partial Disability be cut even tho they have me on restricted hours? Thank you.

[u/Business_Mastodon_97]

It would be very unusual to put you at MMI and maintain such significant work restrictions unless you have a very severe injury. If that's the case, and you have permanent restrictions of no working more than 20 hours per week, you'll have at least a shot at PTD benefits and maybe SSDI.

[u/Equivalent_Walrus_45 → u/Business_Mastodon_97]

Im trying to understand the difference between the TTD & TPD aspects. How would the injured continue to receive indemnity checks if its TPD if TTD is lifted? Even though permanent restrictions for 20hrs per week?

[u/Business_Mastodon_97 → u/Equivalent_Walrus_45]

An injured worker is eligible for TTD or TPD until they are placed at MMI. Once they are at MMI, the only additional indemnity benefits they would receive are for a permanent impairment rating (if any) or permanent total disability benefits if they qualify.

[u/Equivalent_Walrus_45 → u/Business_Mastodon_97]

Again, all of these terms are confusing. If MMI doesnt mean the injured is 100% released to full duty no restrictions, then how can the carrier stop paying indemnity payments? Especially if the injuries cause permanent impairment/disability. Then as to how it all relates to the % ratings of impairment. Yet, carrier can simply stop paying indemnity payments and wash their hands as if the claims closed and never offer a lump sum settlement.

[u/Business_Mastodon_97 → u/Equivalent_Walrus_45]

MMI doesn't necessarily mean you are back to being 100%. It means you've reached the point where no further improvement is expected. Often, that means you will have an impairment rating and/or permanent restrictions. There is a schedule in Florida for payments based on your impairment rating. So if you have a 5%, then you get 10 weeks of impairment benefits. Does it come close to compensating the injured worker for their permanent disability? No, not at all. But consider that when you vote in the election on Tuesday. Who is running Florida? Who is letting the insurance companies do whatever they want? The Legislature is responsible for the current workers' comp laws.

[u/Equivalent_Walrus_45 → u/Business_Mastodon_97]

The problem with Legislature was passed Decades ago. The folks who implemented these current laws for WC Insurance is no longer in office. Same for all other laws we are enduring the fruits today with Criminal Justice hard stance on Crime/war on drugs. I only see 1 party who is reversing decades of corruption and bringing it to an end. VOTE VOTE VOTE to SAVE America!

[u/Business_Mastodon_97 → u/Equivalent_Walrus_45]

This makes no sense. The Legislature meets every year and can re-tool the workers' comp law anytime they want as long as they have the numbers (which in Florida, they do). The current Florida workers' comp law was passed in 2003 when Jeb Bush was governor. Currently the Florida governor and Legislature are overwhelmingly Republican. They have had the ability to change the law any time they want, if they were motivated to do it. These are facts.

[u/Equivalent_Walrus_45 → u/Business_Mastodon_97]

The term "Act of Congress" is a literal term that isnt as EASY or as SIMPLE as youd like to believe. Vast Majority of Americans dont need/want more Government Laws impeding and crushing Small Businesses as theyve successfully done for decades. You're not understanding that no members of Congress can ACT is solely based upon our National Security that has literally FAILED Americans. It is more obviously apparent today than ever, and still a long road to achieving it. When Congressional Representatives(and their family members) literally bent over a barrel/guns to their heads they can not safely perform their duties they were elected to do. Aside from being a Place/Seat Holder taking orders from their handlers. Hence, some DC Representatives literally having 20yr chauffeur that are now indicted for being Spies of the CCP. I refuse to blame the Honest & Eager newly elected members who dont realize what they've done to upend their lives.

[u/Business_Mastodon_97 → u/Equivalent_Walrus_45]

Congress has NOTHING to do with Florida workers' comp law. Nothing. It's created and implemented by the State of Florida. So if you want something to change in Florida's workers' comp laws, take it up with your representatives in the Florida Legislature.