Many different types of disability benefits are available to those who cannot work due to an illness or injury. These benefits can be provided by the government, private insurers, or employers. Permanent disability benefits are designed to provide financial support to those who are unable to work on a long-term basis. These benefits can be paid as a lump sum or monthly income.
This blog will provide an overview of everything you need to know about permanent disability benefits, including who is eligible to receive them and how to apply for them.
What are permanent disability benefits?
Workers’ compensation permanent disability benefits are paid to employees who cannot return to work due to a permanent disability. These benefits can be delivered as a lump sum or monthly income.
To be eligible for workers’ compensation permanent disability benefits, you must have a disability caused by your employment. This can include an injury you sustained while working or an illness caused by your work environment.
You must submit a claim to your employer to apply for workers’ compensation permanent disability benefits. Once your employer has received your claim, they will determine whether you are eligible for benefits.
If you are approved for benefits, you will receive a monthly payment based on your disability rating. The number of your benefits will depend on your disability rating and your wages at the time of your injury.
How are permanent disabilities classified?
Permanent disabilities are classified into two categories: partial and total.
A partial permanent disability prevents you from returning to your previous job but does not prevent you from working in some capacity. This can include a disability that causes you to have reduced hours or pay.
A total permanent disability prevents you from working in any capacity. This can include a disability that causes you to need constant care or a disability that is so severe that you are not expected to live more than two years.
What are the benefits of receiving permanent disability benefits?
Permanent disability benefits can provide you with the financial support you need to cover your living expenses if you cannot work. These benefits can help to pay for your mortgage, rent, food, utilities, and other necessary costs.
In addition, permanent injury benefits can provide you with the peace of mind of knowing that you will have a source of income if you cannot work. This can help to reduce stress and anxiety about your financial future.
Permanent disability benefits can also help you cover the cost of rehabilitation and retraining if you can return to work in the future. These benefits can help you to cover the cost of tuition, books, etc.
How can a Workers’ Compensation Attorney Help you?
If you are having trouble getting the permanent disability benefit you deserve, a workers’ compensation attorney can help. An attorney can review your case and help determine if you are eligible for benefits.
If you are eligible for benefits, an attorney can help you to file a claim and negotiate with your employer for a fair settlement. An attorney can also help you to appeal a denial of benefits.
A workers’ compensation attorney can help you to navigate the complex workers’ compensation system and get the benefits you deserve. If you are considering applying for permanent injury benefits, it is essential to understand the process and what to expect. The DYS Law Group can help you navigate the process and ensure you get the benefits you deserve. Contact us at (213) 855-4749 to schedule a consultation.