Workers Compensation for Permanent Disabilities
There are worker’s compensation laws that ensure an employee will receive compensation for any expenses incurred due to an injury on the job. Those laws differ from state to state, but all states include compensation for not only medical bills, but rehabilitation, if necessary; lost wages; and even compensation for retraining and/or reduced wages in some cases. Sadly, some employees incur permanent disability while on the job, and while those cases are much more complicated, there are procedures for receiving the appropriate compensating. Sometimes it is necessary to consult with an attorney to clarify if your case qualifies for worker’s compensation and if your rights are being honored.
There are a number of injuries and illnesses that can be included in the compensation for permanent disabilities under worker’s compensation laws. Those laws also vary by state, but they generally fall into a few major categories.
- Temporary disabilities, which will heal and allow the employee to return to full employment at some point
- Partial permanent disabilities that can allow the employee to perform some job functions, but by no means the same tasks they performed in the past
- Total permanent disabilities that prohibit an employee from working at any job in the present or in the future
In some cases, it can be difficult to ensure that the employer’s physician will correctly classify a job-related injury. At that point, it may be necessary to consult with a worker’s compensation attorney to ensure that your rights are retained.
There are any number of injuries, or even illnesses that can occur on the job that can lead to permanent disability.
Some of the more common causes of permanent disabilities can include:
- Heart disease
- Spinal damage
- Vision problems
- Hearing loss
- Loss of limbs
If you have been permanently disabled due to an injury at work, you should file a worker’s compensation claim immediately. If you meet any resistance from an employer, their physician, or the insurer, you may need to get expert help from an attorney to determine your next step.
Permanent Disability Benefits
If you do face disability due to a job-related injury, there are specific benefits outlined in your state worker’s compensation laws. Moreover, while these laws differ from state to state, they fall into some similar categories.
- For temporary disability, generally the employee is awarded two-thirds of their regular pay, for a specified period
- For partial permanent disability, the employee generally receives two-thirds of their previous salary while rehabilitating or retraining for a job that they can perform in their condition
- For total permanent disability, there is generally a lump sum payment which depends on a number of elements, including the type of injury, the age of the victim, and the earning-power lost, to name a few
- Permanent disabilities due to a job-related injury are tragic indeed; and depending on how such a claim is handled, it may involve thousands of dollars. If you are not sure whether your injury is being compensated appropriately, you have the right to contact an attorney to guide you through the process
Pay Careful Attention
When someone has a serious injury that constitutes an emergency, there is nothing more important than getting the correct diagnosis and care. There are times when an employer’s doctor and/or insurer may attempt to make you accept a diagnosis that does not address all of your injuries or disabilities. You may need to consult an attorney to help you understand your options.