Workers' compensation benefits
Workers’ compensation indemnity benefits are cash benefits paid to injured workers or their beneficiaries. These indemnity benefits are paid by insurers from employers’ workers’ compensation premiums. Indemnity benefits include benefits for temporary disability (time loss), permanent partial disability (PPD), permanent total disability (PTD), and death. The eligibility criteria and the benefit rates at which insurers pay these benefits are set in statute and administrative rule. In the case of death from work-related causes, indemnity benefits are paid to survivors. Indemnity benefits also include vocational assistance benefits paid on behalf of severely disabled workers to employers to get them back to work. Finally, insurers and workers may negotiate settlements that substitute for statutory indemnity benefits. Claim disposition agreements (CDA) and disputed claim settlements (DCS) are negotiated amounts paid directly to the worker.