Permanent injuries from a work accident can have a significant impact on a worker's life. If the worker is unable to return to their previous job, they may have to find a new job that is suitable for their limitations. This can be a difficult and daunting task, as many jobs require physical or mental abilities that the worker may no longer have.
If the worker is unable to return to any job, they may be eligible for disability benefits. Disability benefits can help to replace lost wages and provide financial assistance for medical expenses. However, disability benefits can be difficult to obtain, and the amount of benefits that a worker receives will depend on the severity of their injuries and their ability to work.
Two Types of Permanent Injuries
There are two main types of permanent injuries from a work accident:
- Total disability: This means that the worker is unable to work in any job, regardless of their limitations.
- Partial disability: This means that the worker can work in some jobs, but their earnings are reduced due to their limitations.
The financial implications of permanent injuries from a work accident can be significant. If the worker is unable to return to their previous job, they may lose their income and their health insurance. They may also have to pay for medical expenses out of pocket.
Workers' Compensation Benefits
The legal implications of permanent injuries from a work accident can also be significant. If the worker's injuries were caused by their job, they may be able to file a workers' compensation claim. Workers' compensation is a type of insurance that provides benefits to workers who are injured on the job. The benefits that a worker receives through workers' compensation will depend on the severity of their injuries and their ability to work.
When a worker is covered under workers' compensation, the ruling of a permanent disability will bring with it the opportunity to be paid a lump sum or structured settlement. However, problems can occur when dealing with workers' compensation insurance. In some cases, the insurer won't make a permanent injury ruling because the cost of paying a hurt worker is high.
If you have been hurt at work and are now unable to work at any job, you are likely entitled to benefits from both workers' compensation and other programs. To avoid missing out on the valuable benefits you deserve, speak to a workers' compensation lawyer such as one from Strom & Taylor about your case.