Permanent
Disability
at Wilson, Reives & Doran
Are you seeking workers’ compensation benefits for a permanent disability you sustained while at work? Find a disability lawyer who will fight to get you the benefits you deserve.
At some point during your workers’ compensation claim, a doctor will tell you that you have reached Maximum Medical Improvement, meaning your condition has improved as much as it can, and will assign permanent restrictions and what is called a Permanent Partial Disability Rating (PPD). This rating is a means of creating monetary compensation for the partial loss of the use of your injured body part.
The extent of permanent impairment, sometimes referred to as the employee’s “rating,” is based on a physician’s opinion and determined using the rating guide published by the North Carolina Industrial Commission.
What are the Permanent Partial Disability Ratings?
The NC Workers’ Compensation Act has a “schedule of injuries” that assigns a value to all of your body parts. The value assigned is for 100% loss of that body part.
How Will You Know If You’re Receiving All the Benefits Owed to You?
There are often honest differences of opinion among physicians concerning the nature and extent of the worker’s impairment. If you are dissatisfied with the rating given to you by a doctor, you’re entitled to a second opinion by the doctor of your choosing. Your employer and/or the insurance company are responsible for paying the entire cost of the second opinion.
It is very important to note that this is an election of benefits. Many times, a carrier will send a NC Industrial Commission Form 26A to a worker that pays out the PPD, but they will not explain that an injured worker may be entitled to receive other better benefits.
Protect Your Rights
Not only will signing Form 26A impact your case financially, but it can also impact your rights regarding future medical and rehabilitative care. If you receive Form 26, 26A, or Form 21 in the mail, DO NOT sign it until you find a workers’ compensation lawyer and arrange for him or her to review your case and explain your rights.
We had a case where the client came in with a 26A and an offer from her employer to pay approximately $12,000 for her rating. Over eight weeks, we negotiated her case and reached a settlement of $75,000 and an additional $56,000 for her future medical needs.
How Does it Benefit You to Find a Disability Lawyer?
The workers’ compensation attorneys at Wilson, Reives & Doran have extensive experience with negotiating settlements and protecting the rights of injured workers. While your carrier may want to just simply give you a PPD rating, you may be entitled to much more.
It will not cost you anything to come in for a consultation. At Wilson, Reives & Doran, all consultations for workers’ compensation cases are given free of charge.
Schedule of Benefits
The schedule of benefits for 100% impairment of various body parts is as follows:
Back – 300 weeks
Arm – 240 weeks
Hand – 200 weeks
Foot – 144 weeks
Leg – 200 weeks
Eye – 120 weeks
Thumb – 75 weeks
First or index finger – 45 weeks
Second or middle finger – 40 weeks
Third or ring finger – 25 weeks
Fourth or little finger – 20 weeks
Hearing (one ear) – 70 weeks
Hearing (both ears) – 150 weeks
Big toe – 35 weeks
Any other toe – 10 weeks
For example, 100% loss of the use of your arm is worth 240 weeks of benefits at your weekly rate. If you have an injury where you regain 90% use of your arm, but still have restrictions and limitations, the doctor would assign a 10% PPD rating and you could elect to receive 10% of 240 weeks or 24 weeks of additional compensation for your injury.