If your work-related injuries have caused some level of impairment but you’re able to work for lower pay, you may be entitled to Permanent Partial Disability payments that can help you make ends meet. You’ll need to meet a few requirements and we’ll have to navigate through the workers’ comp system for a little while longer, but if you can’t work at full capacity and you’re not expected to improve, the insurance company likely owes you some money. Give us a call and we’ll help make sure you get paid.
Permanent Partial Disability exists when a worker’s injuries result in some level of impairment that makes it impossible to work at full capacity and the condition is not expected to improve. There are lots of types of impairments that may qualify you for PPD benefits. Even if you are able to go to work every day, you might not be able to perform the way you did before you were hurt. For some people, the impairment may be the loss of vision in one eye or the loss of the use of one hand. For others, it might mean difficulty walking or trouble bending or lifting.
The most common type of workers compensation case in the United States, PPD cases make up more than half of all claims for work-related injuries nationwide. Although on the job exposures that cause occupational diseases can result in permanent partial disabilities, work-related accidents cause the majority of claims.
Not everyone who is hurt on the job and suffers lasting consequences will qualify for PPD. People with subjective complaints, such as pain, for example, are not eligible unless there are also objective findings, like MRI results, to help back up their claims.
If you’ve exhausted your Temporary Partial Disability benefits but your abilities are still limited, however, or the doctor has determined that you have reached Maximum Medical Improvement (MMI) and your impairments still interfere with your ability to perform your work, PPD benefits are most likely on the horizon.
When it’s time, your doctor will need to submit a report to the insurance company notifying them that you’re stable and that a ratable permanent disability is likely. To determine if you qualify, you’ll need to see a rating physician or chiropractor for an evaluation. The insurance company will set up the exam within 30 days of receiving the report from your doctor.
A ratable disability means that:
If you are determined to be permanently impaired, you will receive 0.6% of your average monthly wage for each percentage of impairment up to the maximum amount allowed for Nevada workers at the current time. You will be paid monthly beginning on the date you receive your last temporary disability payment or on the date you were injured- whichever is later. Payments will continue until you reach the age of 70 or for five years, depending on which is later.
If you are determined to be 30% or less disabled, you can elect to receive a lump sum payment for your impairment. Although you will receive your money quicker, you’ll get paid less because the award is reduced to the current value.
Sometimes, even people who clearly should qualify for PPD benefits are turned down or receive awards that are less than they expect. In some cases, incomplete reports, faulty evaluations, or lack of evidence result in inaccurate disability ratings. Other times, inaccurate income calculations cause award amounts to be incorrect. If you’ve been turned down or you received an award that is less than what you think it should be, give us a call. We’ll make sure you obtain the compensation you deserve for your injury.