Defining Permanent Disability

Permanent disability refers to the continued debilitating nature of your injury once your doctor has determined you have fully recovered. You may be eligible for permanent disability benefits if you have not made a complete recovery from your injury once it has stabilized.

Permanent disability refers to the continued debilitating nature of your injury once your doctor has determined you have fully recovered. You may be eligible for permanent disability benefits if you have not made a complete recovery from your injury once it has stabilized.

The insurance company covering your Workers' Compensation benefits will cover reasonable medical care related to the treatment of your permanent disability. If you have sustained an injury that you believe has permanent disabled you it is important to establish this condition with a medical professional using the AMA standard. This standard holds the most weight with insurance companies, Workers' Compensation review boards, and state and federal courts.

Calculating a Permanent Disability benefits.

Calculating a permanent disability benefit is based upon the amount your disability impairs you from everyday life activities. A doctor will examine you to determine the extent of your disability. He or she will then write a medical report about your condition. The report establishes how disabled you are and what portion of your disability was caused by your work related injury. The doctor's report will finally assign an impairment number to your case.

This impairment number is then entered into a formula that calculates your "percentage of disability." This percentage is a measure of your physical limitations for both work and everyday life activities. The formula then calculates your occupation, your salary, and age at the time of your injury and the future earning capacity that you have lost as a result of your injury. If your doctor has determined that a percentage of your disability was sustained previous to your workplace injury, this percentage is taken out of the calculation.

Once the formula is complete, the end result will be expressed as a percentage and this percentage will be the measure of your disability. This percentage is equal to a specific dollar amount that varies depending upon your state's guidelines. If the variables for the formula have been entered fairly and accurately, the percentage should be an accurate reflection of your impairments.

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