Home Contact
Need Help?
888 900 0205
USA Insurance logo
Permanent Disability INSURANCE COVERAGE
GUARD YOUR BUSINESS & EMPLOYEES
QUOTE AND SAVE NOW!
SEE WHAT YOU CAN SAVE ON YOUR WORKERS COMP INSURANCE

Workers Comp Permanent Disability

Sometimes a job-related injury or illness causes an employee to become permanently disabled or impaired. When this happens, the employee may be eligible for permanent disability payments through workers compensation coverage. Permanent disability payments are calculated based on several factors. Two factors that are taken into consideration include: How severe the physical injury is, and how much the injury or disfigurement prevents the employee from earning income in the future. Workers comp also considers how old the employee was when she received the injury, the date the injury or illness occurred, and her standard type of employment or occupation.

Changes in the Workers Comp law may also contribute towards factors that the Department of Workers Compensation (DWC) takes into consideration when determining the amount of money a permanently disabled employee is entitled to.

When employees receive permanent disability through Workers compensation, the DWC will declare two monetary awards: Benefit and maximum.

The benefit amount is the amount of money the disabled employee will receive every two weeks. The maximum amount is the total amount of money the disabled employee can receive overall. A maximum amount is reached over time as the benefits are paid. The maximum can also be reached if the employee receives a settlement payment in one lump sum.

workers comp quotes

The DWC uses a Rating Schedule to help make an assessment of what percentage the employee is permanently disabled. This schedule helps make a payment determination based on the assessment as to the extent of an employee’s limitations and impairments that were caused by work-related injuries.

The employee’s disability assessment must be made by the physician who has been treating them for the job-related injury. When the employee is being represented by an attorney, the assessment can be made by a Qualified Medical Evaluator (QME) or an Agreed Medical Examiner (AME) instead.

Employees who are not represented by an attorney may not agree with the treating physician’s disability assessment. When this happens, the employee is allowed to select an alternative physician from a panel that is provided by the DWC Medical Unit. That alternate doctor may perform the disability assessment and evaluation for the employee.

When an employee is represented by a lawyer, all parties try to agree on one AME to perform the evaluation and assessment. When an agreement cannot be reached, the DWC will appoint three QMEs to a panel, and all parties must choose from this panel. Normally the choice is made through a process of elimination.

When evaluations and assessments from physicians do not agree, the amount of money an employee receives for disability will be determined through the process of negotiation or litigation.

Workers Comp Insurance Quote
BUSINESS INFO
 
Business Type
Please select.
 
Business Name
Required.
Owners / Partners
Please select.
Entity Type
Please select.
Full Time Employees
Please select.
Years In Business
Please select.
Part Time Employees
Please select.
Annual Revenue
Please select.
Sub Contractors
Please select.
Liability Limits
Please select.
Annual Payroll (Full)
Required.
Prior Claims?
Please select.
 
Brief Description of Operations
       
ADDITIONAL COVERAGE OPTIONS
 
Commercial Auto Professional Liability (E & O) General Liability
Business Owners Group Health Bond
   
CONTACT INFO
 
First Name
Required.
Last Name
Required.
   
Business Address
Required.
City
Required.
State
Required.
Zip Code
Required.

Invalid Zip.
Phone
Required.

Invalid Phone.
   
Alt. Phone Email
Required.

Invalid Email.
   
Comments    
   
Any information you give will be used only to help you find insurance products.
We will not sell your personal information.

Insurance Lines

General Liability Workers Comp Professional Liability Business Owners Commercial Auto Employment Practices Liability Directors & Officers (D&O) Group Health Surety Bonds

Workers Comp Highlights

Medical Care First Aid Treatment Temporary Disability Permanent Disability Vocational Rehabilitation Supplemental Job Displacement Death Benefits

Workers Comp Solutions

Auto Glass Shops Beauty Salons Barber Shops Dental Labs Flooring Contractor More WC Solutions