What Is Permanent Partial Disability?
Permanent partial disability (PPD) is a medical loss that remains after a workplace injury but does not fully prevent you from working. In New York State, it is measured as a percentage of your total earning capacity that you lose because of the injury.
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How New York Calculates PPD Benefits
NY workers' comp uses the "Percentage of Loss" method. The formula is:
- PPD % = (Loss in earning capacity ÷ Your pre‑injury weekly wage) × 100
The state then pays 60 % of that percentage of your weekly wage, up to a statutory cap.
Statutory Caps and Limits
For most injuries, the maximum weekly benefit is $2,400. This cap applies regardless of the calculated percentage. For certain non‑motor vehicle injuries, the cap is $1,200.
Common PPD Categories in NY
PPD is grouped into six categories, each with its own percentage range:
| Category | Typical Percentage |
|---|---|
| Loss of a limb (partial amputation) | 50 %–70 % |
| Loss of a hand or fingers | 30 %–45 % |
| Loss of a leg or foot | 25 %–45 % |
| Loss of vision in one eye | 10 %–25 % |
| Loss of hearing in one ear | 5 %–20 % |
| Loss of speech or voice | 10 %–35 % |
Calculating Your PPD Benefit
1. Determine your weekly wage before the injury.2. Estimate the percentage loss of earning capacity.3. Multiply that percentage by 60 % and then by your weekly wage.4. If the result exceeds the statutory cap, the cap applies.
Example
A worker earning $600 per week loses 40 % of his ability to work due to a broken arm. Calculation: 40 % × 60 % = 24 %. 24 % of $600 = $144. Because $144 is below the cap, the weekly benefit is $144.
When PPD Benefits End
PPD payments stop once the injury is considered fully recovered or the employee is deemed capable of performing any job. The Department of Labor reviews medical evidence to determine if the injury is still permanent.
Appealing a PPD Decision
If you believe your PPD percentage is too low, you can file a request for reconsideration. Provide updated medical reports, occupational assessments, and evidence of any additional functional loss.
Key Takeaways
- PPD is a percentage of lost earning capacity, not a fixed dollar amount.
- Benefits are capped at $2,400 weekly for most injuries.
- Accurate medical documentation is crucial for a fair assessment.