Workers’ Compensation Permanent Disability Benefits

Permanent Disability Benefits in Georgia

Most people who go on workers comp do so for a few months or maybe a year. The purpose of the program is to provide temporary benefits until you are ready to go back to work. It was not designed to provide a permanent solution. If you get hurt and find that you are going to be permanently disabled, you need to contact a workers’ comp attorney in Columbus, Georgia for help understanding permanent disability benefits.

You can’t stay on workers’ comp forever. Eventually, you have to return to work. If your injuries prevent you from doing this, you will need to seek permanent disability benefits. Workers’ compensation in Georgia does allow for something called permanent partial disability. 

If you find that you are still unable to work after your workers comp benefits expire, you should contact a workers’ comp lawyer in Georgia.

What is Permanent Partial Disability?

In Georgia, disability benefits are referred to as permanent partial disability (PPD). In order to qualify for PPD, you need to show that a part of your body is permanently injured. This could include your back, neck or even your knees. Your doctor will have to make a determination that you’re permanently disabled. He will issue a report to this effect. His report will state what parts of your body are permanently disabled. It will also state what percentage of disability you have.

If you are deemed permanently disabled, you will continue to receive 2/3 of your weekly wages indefinitely. However, rather than collect weekly benefits, most insurance companies prefer to settle your claim with a lump sum payment. This way, you get money upfront and they don’t have to continue to keep your case open. The important thing to understand about a settlement is that you can’t come back later and claim that your injuries are worse. Once you sign a release for your settlement, the insurance company is off the hook. There are very few exceptions to this rule. 

Should You Settle Your Workers’ Compensation Claim in Georgia?

There are two main types of workers’ comp settlements in Georgia. The first type is called a liability settlement. In this type of settlement, the insurance company agrees that you are entitled to benefits. They aren’t disputing your claim. They agree to pay a certain amount to settle your claim. Once you receive your lump sum, you can’t go back and ask for more money later.

The second type of settlement is a non-liability settlement. This is when the insurance company doesn’t believe you have a valid claim but are willing to settle the claim to make it go away. Just like with most other lump sum settlement, your case will be closed and you can’t ask for more money later.

It is important to note that, in cases involving permanent disability, the parties may agree to a long-term structured settlement. In these settlements, you’ll continue to receive money over a certain period of time. This is because both parties understand that your claim may become worse down the road. 

Contact a Workers Compensation Lawyer in Columbus, Georgia

If your workers comp claim has been denied, you need to contact a workers comp lawyer in Columbus today. They can review your case and let you know what your case may be worth. The consultation is free and it gives you a chance to have your questions answered. Your attorney will receive nothing until you settle your case.