What’s the Difference Between Temporary vs. Permanent Disability for California Construction Workers?

Construction work is one of the most dangerous professions in California, with high risks of falls, equipment accidents, and repetitive stress injuries. If you’ve been hurt on the job, you may qualify for workers’ compensation disability benefits. As such, you have likely encountered two different types: temporary disability (TD) and permanent disability (PD). Understanding the difference between temporary vs. permanent disability is crucial to securing the right financial support to reach a place of closure and healing.

At SoCal Workers Comp, we help injured construction professionals navigate the complexities of California’s workers’ comp system. Below, we break down the key differences between TD and PD benefits, including eligibility, payment amounts, duration, and how to maximize your claim.

What’s the Difference Between Temporary vs. Permanent Disability in California Workers’ Comp for Construction Workers?

Temporary Disability (TD) and Permanent Disability (PD) are distinct types of workers' compensation benefits. TD provides wage replacement while a worker is temporarily unable to work due to a job-related injury. In contrast, PD is compensation for lasting impairments from an injury, with benefits based on a disability rating that can last for many years, unlike the limited duration of TD. Here is a side-by-side comparison of key differences between temporary vs. permanent disability for California construction workers when it comes to workers’ compensation. 

Related Article: What to Expect in Your California Workers’ Comp Settlement Calculations: Understanding Benefit Determinations for Construction Injuries

Temporary Disability (TD) Benefits in California

Temporary disability benefits provide wage replacement while you recover from a work-related injury and are unable to work. These benefits are divided into two categories:

Related Article: How Do You Apply for Workers’ Compensation in California? A Step-by-Step Guide

1. Temporary Total Disability (TTD)

Eligibility: You are completely unable to work during recovery.

Benefit Amount: 2/3 of your average weekly wage (pre-injury), up to California’s maximum limit (adjusted annually).

Duration: Up to 104 weeks within 5 years from the injury date. For severe injuries (e.g., chronic lung disease, severe burns), extensions may apply.

2. Temporary Partial Disability (TPD)

Eligibility: You can work light-duty or reduced hours but earn less than before.

Benefit Amount: 2/3 of the difference between your pre-injury wages and current earnings.

Duration: Same as TTD (max 104 weeks).

TD benefits stop when your doctor determines you’ve reached maximum medical improvement (MMI)—meaning further recovery is unlikely. At this point, your case may shift to permanent disability.

Related Article: How to Get a Cumulative Trauma Workers’ Comp Settlement in CA?

Permanent Disability (PD) Benefits in California

Now, let’s discuss the other side of the coin when unpacking the key differences between temporary vs. permanent disability claims for construction workers. If your construction injury leaves you with lasting impairments, you may qualify for permanent disability benefits. Unlike TD, PD compensates for long-term loss of earning capacity.

Permanent Disability 

Eligibility: You can work but have permanent limitations (e.g., reduced mobility, chronic pain).

Benefit Amount: Based on a disability rating (0%–100%) from your doctor and state guidelines.

Duration: Payments vary by rating; higher ratings receive longer payouts.

PD benefits are calculated using a complex formula, and insurers often undervalue claims. A workers’ comp attorney can ensure you receive the full amount owed.

Related Article: Traumatic Brain Injuries Workers’ Comp in California: A Hidden Danger with Long-Term Effects

Maximizing Your Workers’ Comp Benefits

Insurance companies often dispute disability claims, especially in high-risk fields like construction. Here’s how to protect your rights:

Report Your Injury Immediately – Delays can hurt your claim.
Follow Doctor’s Orders – Skipping treatment can reduce benefits.
Track Lost Wages & Medical Bills – Proof strengthens your case.
Consult a Workers’ Comp Attorney at SoCal Workers Comp – Insurers may lowball PD ratings.

Need Help With Your Disability Claim?

Navigating temporary vs permanent disability claims in California can be overwhelming, especially when recovering from a serious construction injury. At SoCal Workers Comp, we fight to ensure injured workers receive every dollar they deserve.

Call us for a free consultation or submit your case online.

Don’t let the insurance company shortchange your recovery. 

By understanding the differences between TD and PD, you can make informed decisions about your workers’ comp claim. If you’re unsure about your next steps, our team is here to help—contact SoCal Workers Comp today!