A significant number of employees suffer permanent or long-term injuries at the workplace. Such injuries limit their ability to earn a living as it was before. Luckily, such individuals can file for permanent disability benefits that can help cushion them against financial losses resulting from staying out of their jobs for considerable time. Workers’ compensation typically covers the injured employees’ medical bills and other expenses.
Who is Eligible for Compensation?
In this case, eligibility is typically determined by the report that a workers’ compensation doctor will file. In the course of your treatment, the medic will ascertain whether your condition can allow you to go back or not. Once you reach a maximum medical improvement point, the medical practitioner will undertake an examination to establish whether the injuries that you suffer have left you with permanent limitations that may prevent you from resuming your job. Thereafter, you will be assigned a disability rating. This is an index representing the extent of the permanent limitation that you have suffered.
Sometimes, the doctor may opt to give a whole-person impairment rating. This is normally the case in instances where the injury involves your neck, internal organs, head, and back. If you are a mine worker for instance and you end up suffering a lung critical lung disease, you are eligible to receive a whole person impairment rating of up to 40%.
Calculating Disability Benefits and How Personal Injury Lawyers Help
Typically, calculating permanent and long-term disability benefits involves a lot of intricacies. This varies according to the state that you are in because each states employs a different method when determining how much disability benefits is to be paid to injured workers. The main determinant of how much you will receive is the extent to which you were injured. This implies either partial or total disability.
Permanent total disability is that which prevents you from ever getting involved in meaningful employment in your life. Those who are deemed to have sustained permanently and totally disabled are those with debilitating and serious injuries such as the loss of limbs, or eyesight. If you suffer this kind of disability, you will receive payments for the rest of your life. On the other hand, permanent partial disability implies scheduled and unscheduled disabilities, which are not as dangerous as permanent total disabilities.
If you are injured at your place of work, it is advisable that you get in touch with a disability lawyer who will help you understand all the workers’ compensation rules that relate to your case. Besides this, he/she will represent you in court when or when negotiating for a higher compensation. You definitely need a lawyer who will handle the case on your behalf while you focus on your treatment and recovery. Since lawyers have a better understanding of workers’ compensation laws, you stand a better chance of getting slightly more compensation by hiring one.