If you get hurt on the job in Delaware, you may qualify for wage replacement benefits. These benefits help replace part of your lost income while you recover and can’t work. Understanding how Delaware’s workers’ comp handles wage replacement will help you know what to expect.
How wage replacement works in Delaware
Delaware provides wage replacement through Temporary Total Disability (TTD) benefits. If your injury prevents you from doing any work, you can get TTD payments. These payments generally equal two-thirds of your average weekly wage before the injury. Delaware caps the maximum weekly payment based on state guidelines.
When you can get wage replacement
You must be off work due to a work-related injury to receive wage replacement. The benefits usually start after a short waiting period, often seven days, unless your disability lasts longer. If your disability extends beyond 21 days, you will likely get paid retroactively for the waiting period.
What affects your wage replacement amount
Your weekly benefit depends on your earnings before your injury. If you earned bonuses or overtime regularly, those may be included in calculating your average weekly wage. Delaware law sets limits on the maximum and minimum amounts you can receive. Also, if you return to light or part-time work, your benefits may be reduced accordingly.
Understanding the duration of benefits
Temporary wage replacement benefits usually continue until you can return to your regular job or reach maximum medical improvement. If your injury causes permanent disability, you might qualify for different benefits, such as Permanent Partial Disability payments.
What if your claim is denied?
If Delaware’s workers’ compensation system denies your wage replacement claim, you have options to challenge the decision through hearings and appeals.
Knowing these rules can help you plan your finances and recovery better if you face a workplace injury in Delaware.