Workers compensation insurance offers hurt workers an excellent way to deal with work-related injuries and occupational illnesses. Sometimes you'll be back at work in no time, but sometimes the injury is more long-lasting. If the injury is such that you still might be able to do some work, you may have a partial permanent injury. Read on to learn more about this special class of workplace injuries.
Determining your level of disability
The only way to be ruled permanently disabled is to undergo a special medical exam by a workers' compensation doctor. Your injury will be evaluated by manipulating the pertinent body parts and questioning you about your level of discomfort in your everyday life. The point of this exam is not only to find out if you are permanently disabled but also to find out your level of disability.
Maximum medical improvement (MMI)
The above term means that you have reached the height of medical improvement and are not expected to gain any further improvement. The level of disability determined with MMI will correspond to a percentage number. You might be 100% disabled, but you can be partially disabled with percentages that go downward from there. If you disagree with the level of disability, you have the right to appeal this and any other workers' compensation insurance decisions.
The Workers' Compensation Settlement
The benefits that you were receiving while you stayed away from work will be discontinued once you agree to a settlement. Needless to say, the amount of money and help you deserve from being permanently partially disabled is of great importance. It is in your best interest to seek the help of a workers' comp attorney such as those with Oxner + Permar, PLLC, someone who is familiar with what is at stake and that can negotiate to get you the very best settlement possible.
Back to Work
Part of the settlement might deal with retraining you for a different position at work since your permanent partial disability means that you can no longer go back to your previous job. Vocational rehabilitation may be offered by the insurance company, but some states provide job help to all disabled workers. This includes testing to determine what aptitudes you possess for learning job skills as well as help with resumes, job searching, and even job placement. It should be noted that not all partially disabled workers are able to resume working again, and the issue should be determined before you agree to a settlement.
Speak to a workers' comp attorney to learn more.