Suffering a life-altering injury can be devastating; however, understanding and accessing permanent disability benefits can provide the financial stability needed to secure your future. If you suffer from such a disability, you may be entitled to specific benefits.
In this article, we’ll explore in detail what these benefits are, how workers qualify, and what strategies can help build a strong case for obtaining the benefits to which they are entitled.
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What are permanent disability benefits?
These benefits refer to payments made to workers who have suffered serious on-the-job injuries that permanently prevent them from performing their duties. Unlike temporary benefits, permanent disability benefits are designed to provide long-term financial support, ensuring that the affected worker can maintain a reasonable quality of life despite their condition.
Workers’ compensation insurance is mandatory for most companies, meaning they must have policies that provide benefits to workers, regardless of whether the company was negligent in causing the disability.
Criteria for entitlement to permanent disability
Medical and vocational evaluations
The first step in determining eligibility for these benefits is a medical evaluation. A licensed physician must perform a thorough assessment of the injury and determine its severity and permanency. This process includes:
- Detailed medical examination
- Medical reports
- Functional capacity evaluations
Qualification process
After a medical evaluation, the case undergoes an assessment where the nature of the injury is considered, specifically whether the injury is permanent and impedes the ability to work. Additionally, how the injury affects the worker’s ability to perform their job is evaluated, with input from specialists providing relevant information about the worker’s disability.
Types of benefits
Lump-sum settlements
Lump-sum compensation refers to a fixed amount that is established as total compensation for the damages suffered. Lump sums are calculated based on factors such as the degree of disability, the worker’s previous salary, and life expectancy.
Continuous monthly payments
Another option is to receive continuous monthly payments, which provide a regular income to the worker. These payments are determined according to the average weekly income and the percentage of disability.
Secure your financial future with sound legal advice
Obtaining these types of benefits can be a complex and challenging process. However, with the right strategy and support, you can secure a stable financial future despite a life-changing injury. Meet us at 5 Park Plaza Ste. 1510, Irvine, CA 92614, or contact us now at (213) 770–770 to learn more about how we can assist you.
