A work injury can be a stressful and disruptive event. Not only are you dealing with physical pain, but lost wages can add significant financial strain. If this prevents you from performing at total capacity, workers’ compensation offers benefits to help injured employees recover financially. One key employee benefit is Temporary Partial Disability (TPD), designed for situations where your injury limits your ability to work full-time.

What is Temporary Partial Disability (TPD)?

TPD applies when you can return to work in some capacity. The caveat is that your injury prevents you from performing your regular duties or working full-time hours. This might involve light-duty work, modified tasks, or reduced hours. The main point of TPD is that your earning capacity is temporarily reduced due to the work injury.

Maryland law dictates the calculation of TPD benefits. After the injury, you will receive 50% of the difference between your average weekly wage (AWW) and your current wage-earning capacity.

Important limits and considerations

There are a few limitations to be aware of with TPD benefits:

• Maximum benefit: The weekly benefit of the employee cannot exceed half of the state’s average weekly wage that is adjusted annually. As of April 2024, this limit is $728 per week.
• Waiting period: For injuries causing disability lasting less than two weeks, benefits typically do not kick in for the first three days. This is unless medical expenses like hospitalization are involved.
• Maximum duration: There is no strict time limit on TPD benefits. However, the benefits will continue until you reach maximum medical improvement. This means your doctor will determine if your condition is likely to improve further or not.

It is important that you remember what Maryland’s workers’ compensation program offers during your recovery.

Filing for TPD benefits

To receive TPD benefits, you must promptly report your work injury to your employer and file a claim with the Maryland Workers’ Compensation Commission (WCC). The filing can be online or by mail. It is crucial to follow all reporting deadlines and provide accurate medical documentation to support your claim.

What if my employer denies my claim?

If your employer denies your TPD claim, you have the right to appeal to the WCC. A legal professional experienced in workers’ compensation may help guide you through the appeals process. They may also help ensure and protect your rights. A work injury can be a setback. However, by understanding TPD benefits and your rights, you can navigate this challenging time with greater financial security and focus on your healing.