Understanding Permanent Disability Benefits in Workers' Compensation
If you’ve suffered a workplace injury that results in lasting impairment, you may be eligible for permanent disability benefits under workers’ compensation. These benefits can provide financial support when your injury prevents you from returning to your previous work. In this post, we’ll explain what permanent disability benefits are, how they’re determined, and what you need to do to qualify for them.
What Are Permanent Disability Benefits?
Permanent disability benefits are provided to workers who have sustained a permanent injury that significantly affects their ability to perform their job. These benefits are typically paid when a worker’s condition stabilizes and is unlikely to improve. The benefits are designed to help injured workers who can no longer earn a living at the same level they did before the injury.
Types of Permanent Disability
There are two types of permanent disability that workers can qualify for in North Carolina: permanent partial disability (PPD) and permanent total disability (PTD). Each type has its own criteria and benefits.
1. Permanent Partial Disability (PPD)
Permanent partial disability benefits are for workers who have a permanent impairment but can still work in some capacity. For example, if you lose a finger or suffer a partial loss of vision, you may be eligible for PPD benefits. The amount you receive depends on the extent of the impairment and the level of disability it causes in your ability to work.
2. Permanent Total Disability (PTD)
Permanent total disability benefits are for workers who are unable to return to any type of employment due to their injury. This is typically the case for individuals who suffer catastrophic injuries, such as spinal cord injuries, severe brain injuries, or the loss of multiple limbs. PTD benefits are more substantial than PPD benefits, and in some cases, workers can receive these benefits for the rest of their lives.
How Permanent Disability Benefits Are Calculated
The amount of permanent disability benefits you’re entitled to depends on several factors, including your pre-injury earnings, the severity of the injury, and whether the injury is classified as partial or total. In North Carolina, the Industrial Commission uses a complex formula to determine the benefits you’ll receive. Factors considered include:
1. Your Average Weekly Wage (AWW)
Your AWW is calculated by taking your wages from the highest earning 52 weeks within the last two years and dividing by the number of weeks worked. This will serve as a basis for calculating your benefits.
2. The Severity of the Injury
More severe injuries, such as loss of a limb or permanent paralysis, will result in higher benefits. A medical professional will assess your injury and assign a percentage of impairment, which will help determine the level of benefits.
Applying for Permanent Disability Benefits
https://telegra.ph/How-to-Appeal-a-Denied-Workers-Compensation-Claim-05-17-2To apply for permanent disability benefits, you will need to submit medical documentation showing the extent of your injury. You’ll also need to demonstrate that your injury is permanent and unlikely to improve with treatment. Working with an experienced workers' compensation lawyer can help ensure that your claim is properly filed and that all necessary documents are submitted.
Conclusion: Get Help from Charlotte Workers' Compensation Lawyers
If you’ve suffered a permanent injury at work, it’s important to understand your rights to permanent disability benefits. Charlotte Workers' Compensation Lawyers are here to help you navigate the process and secure the benefits you deserve. Contact us today to schedule a consultation!