Workers' Compensation
Wage Replacement
When an employee is injured and cannot work, workers' compensation wage replacement benefits replace a portion of their lost income during the recovery period. Understanding how these benefits are calculated — and how they interact with other leave programs — helps businesses structure their HR policies and manage the total cost of a work-related injury.
Workers' Compensation
What You Need to Know About Wage Replacement
Temporary Total Disability
Covers employees completely unable to work during recovery. In North Dakota, temporary total disability benefits are calculated as a percentage of the employee's average weekly wage, subject to state maximums that are updated annually.
Temporary Partial Disability
Covers employees who can return to work in a reduced capacity or modified role at lower earnings. Benefits make up the difference between their pre-injury wages and what they earn in their modified position during recovery.
Interaction with Other Benefits
Workers' comp wage replacement interacts with short-term disability, sick leave, and FMLA in ways that require coordination. An independent benefits advisor can help structure policies to avoid gaps and duplications across your programs.