Determining the full workers’ compensation benefits you are owed can be complicated. The amount depends on calculation of your average weekly wage, which can be complicated depending on the industry in which you work and the structure of your pay.
Employers and insurance adjusters often argue that your injury is not serious and will attempt to minimize your workers’ compensation benefits. We have been representing injured workers for over 30 years. We know the benefits you should receive, and we know how to get them for you.
Permanent Partial Disability (PPD)
Once you reach maximum medical improvement (MMI), you are entitled to benefits for any permanent injury. Workers’ compensation law divides the body up into numbers of weeks. For example, the shoulder equals 232 weeks. When you are at MMI, a doctor will give you a rating that equates to a certain percentage of the injured part of your body, or to the body as a whole (BAW), which is 400 weeks. A 10% disability of the shoulder for example would equal 23 weeks.
The benefits are calculated at 66 2/3% of the employee’s average weekly earnings (the comp rate) as of the date of the injury, not to exceed a maximum amount set by the law. To determine the amount of the PPD benefit, you multiply the number of weeks times the comp rate.
Permanent Total Disability (PTD)
If you are permanently and totally disabled and unable to return to any employment, you may receive Permanent Total Disability (PTD) benefits, which are weekly payments for your lifetime. The amount of the weekly payment is 66 2/3% of your average weekly wages at the time of the injury, not to exceed a maximum amount set by law, which is much higher than the maximum amount for PPD.
We help people who have been injured in work accidents. We offer a free consultation so that you may discuss your concerns with an experienced attorney. Contact us online or call our St. Louis office at 314-862-6865 to schedule your free initial consultation. When you meet with us, ask about:
- Evening and weekend appointments
- Home and hospital visits
- No attorneys fees unless you collect