Getting injured at work can cause a handful of problems—especially financial ones. If your work injury prevents you from going to work and you live paycheck-to-paycheck, it might be hard to keep your finances on track until you can return.
The good news is workers’ compensation is meant to help keep you financially afloat while you’re recovering from your injury. Typically, Connecticut workers’ compensation benefits pay out 75% of an employee’s after tax and social security average weekly wage. The benefit total is based on the injured worker’s wages prior to their injury. The State of Connecticut Workers’ Compensation program requires employees to report their work-related injury or illness to their employer immediately.
Unfortunately, you should be prepared to wait a bit if you apply of workers’ compensation benefits in Connecticut. Benefits for Temporary Total Disability (TTD) or Temporary Partial Disability (TPD) aren’t paid until you’ve been unable to work for more than three calendar days.
The benefits start on the fourth day of incapacity from work. Fortunately, if you’re out of work for seven or more calendars days, that initial three-day waiting period is eliminated and your benefits will paid from the beginning of your incapacitation. All calendar days you’re out of work due to your injury—even if you were scheduled to be off during one of them. The day of the injury does not count as day of incapacity from work however.
In Connecticut, when you report your injury, a report is sent to a third party administrator who will approve or contest the claim. If it’s the latter, a hearing with the Workers’ Compensation Commission can be requested. If you need financial assistance while your claim is being sorted out, Bridge Legal Funding can help.
Bridgeway Legal Funding can help you with your workers’ comp claim in Connecticut
If you haven’t received your Connecticut workers’ compensation benefits in a timely manner, Bridgeway Legal Funding can help. We understand that even though your work has stopped, your financial obligations like rent or mortgage payments, medical bills, car payment, etc. have not.
Bridgeway Legal Funding provides a financial lifeline for injured workers and advances them part of their expected workers’ comp settlement almost immediately. Let us help you get the money you need now to pay your bills, be able to make day-to-day purchases while your lawyer can secure the benefits you’re entitled to.
How long does it take to get a workers comp cash advance?
Bridgeway Legal Funding can help you get a Connecticut workers’ comp cash advance in three steps:
- Contact us and provide your injury details.
- Bridgeway Legal Funding will get in touch with your attorney to get more details about your case and determine its value.
- Once everything’s approved, we’ll send you a contract for you and your attorney (electronic) to sign. Bridgeway Legal Funding will send the money immediately to you after the contract is signed.
How much money can Bridgeway advance me now?
Bridgeway Legal Funding typically advances about 10 to 20 percent of a workers compensation claim. Since Connecticut workers’ comp claimants receive about 75% of their after tax and social security average weekly wage, determining your claim’s value is pretty straightforward once it’s determined how long you’ll be out of work.
How much is my workers compensation claim worth in Connecticut?
Your Connecticut workers’ compensation claim value will depend on the seriousness of your injury and how long you’ll be about of work. As previously mentioned, you’re looking at about three quarters of your after tax and social security average weekly wage.
Additionally, Connecticut has set a maximum on how long Permanent Partial Disability (PPD) benefits last based on the body part that’s lost or injured. For example, PPD benefits for a work-related back injury can last for up to 374 weeks, while a toe injury (other than the great toe) has a cap of nine weeks.
Here’s a breakdown of the standard Connecticut workers’ comp benefits:
Temporary Total Disability (TTD)
This is the wage replacement benefit for which an employee may be eligible, if they are totally disabled from a work-related injury or illness. The benefit rate is 75% of the employee’s after tax and social security average weekly wage.
Temporary Partial Disability (TPD)
When an employee cannot perform some type of work, but not the same kind of work or the same number of hours they worked at the time of the injury, he or she may receive this benefit. It is 75% of the employee’s after tax and social security average weekly wage, and the amount they would have been earning if they hadn’t been injured.
Permanent Partial Disability (PPD)
These benefits are paid an employee who has suffered a permanent, partial loss of use of a body part or parts, due to their work-related injury. The exact amount is based upon the specific injured body part, the attending physician’s determination of the percentage of that body part which has been disabled, and the employee’s basic compensation rate.
Relapse or Recurrence
An employee could be entitled workers’ compensation benefits in Connecticut if they suffered a relapse or recurrence of their original injury or illness. The worker could receive the benefits during the relapse period. Compensation would be the employee’s basic compensation rate at the time of the original injury/illness (plus cost-of-living allowances) or their new rate based on their salary at the time of the recurrence, whichever is higher.
Discretionary Benefits
A Workers’ Compensation Commissioner could grant additional benefits to an employee after they have been paid all of their Permanent Partial Disability. The employee has to request an informal hearing at which the commissioner may or may not grant these benefits, depending upon the specific circumstances of the case.
Job Retraining
Additionally, the Workers’ Compensation Act provides vocational rehabilitation for employees who were injured or become sick because of their work and cannot return to the type of work that caused their injury or illness. These employees may be eligible for some sort of job re-training from the Workers’ Compensation Commission’s Rehabilitation Services.
Contact Bridgeway Legal Funding today for your Connecticut workers pre-settlement funding
A work injury should not interrupt your income stream. Get in touch with Bridgeway Legal Funding if a work-related injury has made it more difficult to make ends meet and you’re waiting for your Connecticut workers’ comp benefits to be paid. We’ll do what we can to get much-needed cash into your hands within 24 to 48 hours.