| I hope this will assist those who are new to the Risk | | | | In Michigan, there is no time limit on indemnity |
| management field with cases in wage loss states. | | | | payments for permanent partial disability. In New |
| The following states have high wage loss exposure | | | | Hampshire the limit is 262 weeks (which includes the |
| (indemnity payments) after a case has reached | | | | weeks the injured worker was considered |
| Maximum medical improvement. Michigan (MI), Illinois | | | | temporarily disabled.) In Maine and Louisiana the limit is |
| (IL), Pennsylvania (PA), Louisiana (LA), Maine (ME), | | | | 10 years or 520 weeks. In New York Permanent |
| New Hampshire(NH) and New York (NY). | | | | Partial Disability cases are eligible for indemnity |
| The following states have no wage loss exposure or | | | | payment to continue depending on injury from a |
| indemnity payments once a case has reached MMI: | | | | minimum of 225 weeks to a maximum of 525 weeks. |
| Alabama, Arizona, Arkansas, Colorado, Connecticut, | | | | Pennsylvania has a limit of 500 weeks for Permanent |
| Florida, Mississippi, Missouri, New Jersey and | | | | Partial Disability indemnity payments. |
| Tennessee. The State of Florida has "impairment | | | | In states where there is a continuance of indemnity, |
| benefits" but no wage loss payments. These | | | | or wage loss, payments required from the Employer |
| payments are determined based on the injury, and | | | | or Insurer, there is also the obligation on the part of |
| continue for a specified amount of time. They're not | | | | the injured worker to actively pursue reemployment |
| affected by reemployment of the injured worker in | | | | and/or to make an effort to obtain work. When an |
| any way. The Injured worker receives the same | | | | injured worker returns to work, depending on the |
| impairment benefit, whether they're working or not. | | | | pay variance, the employer may be obligated to |
| Some states have wage loss exposure limited by the | | | | continue to make up the difference between the |
| rating of the permanent disability or the percentage | | | | original wage earned when the employee was injured |
| of disability. Most of these charts are available on | | | | and the new wage. This also varies by state. But, the |
| each states Workers' Compensation Board website. | | | | insurer can apply to the Workers' Compensation |
| A list of these boards by state with links to their | | | | board to discontinue payments if they determine that |
| sites and contact info can be found at the end of | | | | the Injured worker is not actively pursuing |
| this artile. | | | | reemployment. |