Permanent partial disability in workers’ compensation cases are among the most common type of work injury claims. They are essentially a lump sum or structured settlement award for an on-the-job injury resulting in a disability that is partial, but permanent.
This figure can include money for medial and therapy bills, medications, costs for transportation to-and-from physician appointments and partial wage loss reimbursement. It is a determination – made by doctors and the industrial commission/courts – after an injured worker has attained “maximum medical improvement.” This is the point at which medical consensus is the worker is medically stable and isn’t going to improve with further treatment. It doesn’t mean treatments are complete, just that this is probably the best the worker is going to get.
So for example, a person who suffers a back injury may ultimately be assigned a permanent partial disability rating of 20 percent. That means his capacity to work is reduced by 20 percent, and he is thus entitled to compensation for coverage of all related medical bills and costs, plus a lump sum or structured payment that covers the wage loss difference of 20 percent.
Insurance companies usually dispute permanent partial disability findings, so it can often be an arduous process that involves independent medical examinations, meetings with specialists, administrative hearings and appeals. Continue reading →