If you have suffered a long-term work injury or illness, you may want to seek permanent disability benefits from the workers’ compensation insurance of your employer. The insurance company will want to settle claims as quickly as possible to avoid further costs, so they may make a settlement offer as quickly as possible. When this happens, you can decide to accept the offer, negotiate a better settlement, or take legal action. Whatever your decision is, you must consider hiring a Newport News injured at work lawyer to represent you.
Kinds of Workers’ Comp Benefits You Can Pursue
As an injured worker, you may be entitled to any of the following benefits:
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Permanent partial impairment (PPI). This benefit can give you financial support if you are partially disabled or temporarily cannot work. Often, it is available to employees who have lost a part of their body like a hand, foot, toe, or finger. Also, those with a disability that limits the activities they can perform can pursue this benefit.
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Permanent total disability. You are entitled to this benefit if you have a permanent injury that makes it impossible for you to perform any work. If you successfully pursue this benefit, you will receive 2/3 of your average weekly wages before your injury for your lifetime.
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Temporary partial disability. You can pursue this benefit if you cannot work but can carry out light-duty work that may pay low.
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Temporary total disability. This benefit applies if you cannot perform any kind of work. With this benefit, you can receive 2/3 of your wages based on what you earn for the 52 weeks before you got injured.
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Negotiating a Settlement
When it comes to pursuing workers’ compensation, negotiating a settlement with the insurance company is something you need an attorney for. Your lawyer can estimate your claim’s value based on factors such as the scope of the injuries and everyday activities, medical expenses, level of disability suffered, and wage loss benefits. Additionally, your lawyer will properly structure your settlement to avoid negative effects on your overall claim down the road.
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Never accept a settlement offer from the insurance company, especially if you do not understand the terms of the agreement. You can avoid this issue by hiring a lawyer with lots of experience helping injured employees reach a fair settlement. A great attorney will aggressively negotiate a reasonable settlement for you to make sure you receive the benefits you need and deserve.
