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Glossary of WCB Terms

Volunteer Firefighter's and Volunteer Ambulance Worker's Guide to Workers' Compensation Benefits


Disability Classifications

An injured volunteer member's health care provider will give an opinion on the extent of the disability. Cash benefits are directly related to the following disability classifications:

Permanent Total Disability:
The volunteer member's earning capacity is permanently and totally lost. Claimants classified permanently and totally disabled as a result of injury or disability incurred in the line of duty prior to January 1, 1979, are entitled to $400 weekly as of January 1, 1999.
Temporary Total Disability:
The injured volunteer member's earning capacity is lost totally, but only on a temporary basis.
Temporary Partial Disability:
The earning capacity is lost only partially, and on a temporary basis. If the loss of earning capacity is 75 percent or greater, the volunteer member receives the maximum amount, determined by the date of accident. If the loss of earning capacity is 50 percent or more, but less than 75 percent, the benefit rate is $186.76 per week on or after July 1, 1990, $234.50 per week on or after July 1, 1991, and $268.00 per week on or after July 1, 1992.

If the earning capacity loss is 25 percent or more but less than 50 percent, the benefit rate is $30 per week. If the earning capacity loss is less than 25 percent, no cash benefits are paid.
Permanent Partial Disability:
Part of the volunteer member's earning capacity has been permanently lost. Benefits are payable at the same rates as Temporary Partial Disability, except for Schedule Loss.
Schedule Loss:
This is a special category of Permanent Partial Disability, and involves loss of eyesight or hearing, or loss of a art of the body or its use. Compensation is limited to a certain number of weeks, according to a schedule set by law. For instance, 25 percent loss of use of an arm is equal to 78 weeks (1/4 of 312 weeks).
Disfigurement:
Serious and permanent disfigurement to the face, head or neck may entitle the volunteer member to compensation up to a maximum of $20,000, depending upon the date of the accident.