Workin’ 9 to 5…and then some

It is not uncommon these days to be employed at more than workplace.  After all, the cost of living is high in the Bay Area, and supporting a family on one income is not an easy task.  These issues make it even more difficult when someone suffers a work-related injury that renders them Temporarily Totally Disabled, unable to earn the money that he or she so desperately needs.  The person is not only usually precluded from being able to perform the job that is related to the injury, but also is prevented from returning to work at the other job(s).  When this happens, it is important to make sure that the Workers’ Compensation Insurance Carrier is paying you the right Temporary Disability rate.

If you are injured at work and you are temporarily unable to return to work right away because of that injury, you will receive Temporary Disability (TD) benefits.  These are calculated per the Labor Code of California to be 2/3 of your average weekly wage.  You should receive TD payments every two weeks.

However, if you have more than one job, those wages should be included in calculating your TD benefit amount as well!  Let’s say you work at 2 different retailers.  If you are injured on the first job and cannot immediately return to work, you most likely cannot return to the second job either.  The first job alone does not reflect your average weekly earnings, so it is important to make sure the insurance company is including the earnings from the second job as well!

The downside is that if you were getting paid more at the second job (where you weren’t injured), that hourly rate does not apply in determining the TD amount, only the rate of pay at the job you were injured.  The hours from the second job will be added at the hourly rate of the first job.    The big thing to remember is that if you were working more than one job when you were injured, be sure to let the adjuster on your claim (if you don’t have an attorney) or your attorney know, and provide them with the pay-stub/tax-information that can help them determine what the TD rate should be.

Rodman J Martin

When an applicant is incarcerated after suffering an injury prior to being sent to jail, what happens to any temporary disability (TD) and/or permanent disability (PD) benefits that the applicant is entitled to? Labor Code Section 3370 addresses the area of state penal or correctional inmates and the treatment of such benefits. Subdivision (a) paragraph (2) says that no inmate shall be entitled to TD indemnity benefits while incarcerated in state prison. Paragraph (3) tells us that no benefits are to be paid to an inmate while they are incarcerated and that the benefits shall commence upon release. It goes on to point out that if the person is released and begins to receive benefits and is subsequently reincarcerated in a city or county jail or state penal or correctional facility, those benefits will immediately cease and will not be paid for the duration of the reincarceration.

Subdivision (d) of Section 3370 says that the above paragraphs of subdivision (a) are applicable to inmates of state penal or correctional institutions who are otherwise entitled to workers’ compensation benefits based on an injury prior to their incarceration. However, if the inmate has dependents, the TD and/or PD that the inmate would be entitled to if not for being incarcerated is paid to them. If the inmate has no dependents, then the TD goes to the State Treasury to the credit of the Uninsured Employers Fund and any PD is held in trust for the inmate while he is incarcerated by the Department of Corrections.