Types Of Disabilities In Workmens Compensation

 The different types of disablement in workmen compensation act for which compensation can be claimed are listed as permanent disability, partial disability, and temporary disability. Permanent disability occurs when a worker is unable to do his work due to an injury he received in the course and extent of his employment. Partial disability occurs when a worker is unable to do his work due to illness or if he has been disabled by reason of excessive and unnecessary working. Temporary disability, on the other hand, occurs when a worker is not able to work for a period of time because of an accident or illness that has occurred during the hours of his employment. Under these circumstances, he would be able to claim payment for the period of his work was not completed.


There are two major insurance schemes under the types of disablement in workmen compensation act. The first scheme is known as the primary insurance scheme. Under this scheme, the employers and workers have to pay a fee for submitting claims for lost wages, payment of medical fees, and other compensation. Workers' compensation insurance scheme is the only way through which an employee can collect payments from his former employers for the loss he suffered while working for them. The second scheme is referred to as a secondary insurance scheme and it is basically meant for providing compensation for injuries suffered at the workplace.

Both the employers and types of disablement in workmen compensation act insurance scheme to provide compensation for pain and suffering. It is important for you to understand the difference between the two. Pain and suffering are generally included in the category of damages included in the case of workers' compensation claims. It is, however, not considered a valid form of recovery under types of disablement in workmen compensation act. Even though it can amount to a substantial amount of money, it is not a form of compensation that can be easily recovered.

One more major type of disability is known as vocational disability. Under this scheme, a worker is compensated only if he has become disabled due to his inability to continue with his work. A worker becomes disabled when he can no longer perform the job he has been doing previously. In such cases, the compensation amount does not help the worker at all as he will not be able to get back his normalcy. As a result, a worker is not entitled to apply for claim settlement under workmen's compensation law.

Other types of disablement in workmen compensation act include permanent disability. Under this scheme, a person becomes unable to do any work because of some permanent physical ailment. He cannot lead his life normally anymore and cannot perform any regular activity. Workmen's compensation benefits can also be claimed by a worker who has developed certain illnesses or becomes mentally sick. Certain occupational diseases such as arthritis, cancer, Parkinson's disease and multiple sclerosis are also taken into consideration.

However, all these categories of disability have been already taken care of by state governments. State laws do not allow filing claims for these types of disabilities in workmen's compensation because they were already covered by federal laws. Federal laws cover all workers including nannies, housewives, factory employees, cleaners, delivery people, medical practitioners and psychologists. Thus, workers have no reason to worry when filing for compensation as long as their condition was not a result of the negligence of employers.

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