Most injured workers return to work, but unfortunately, some have injuries so catastrophic or painful that they are incapable of doing regular, gainful work again. If this is you, or you know someone in this situation, read on to learn why you may be missing out on a lot of money.
When an injured worker with an accepted workers’ compensation claim reaches “medical end result”, they are usually entitled to permanent disability benefits. Sometimes, due to the serious nature of their injury, a person cannot work anymore. This is called permanent total disability (PTD) and it starts when permanent partial disability (PPD) ends.
PTD can provide a lifetime of wage replacement benefits but to receive it you have to be incapable of engaging in sustained, gainful employment. In other words, you can no longer work enough hours or earn enough money to support yourself. You cannot be simply “retired” or decide not to go back to work.
To get this very valuable benefit, you need specific legal proof that you are UNABLE to work. Most injured workers cannot get this on their own and this is where experienced attorneys like BFS can help.
If you are awarded Permanent Partial Disability (PPD) benefits after your work injury, you will get weekly compensation checks in proportion to your impairment rating under the American Medical Association’s Guidelines to Permanent Impairment. This weekly PPD may also be paid in a lump sum payment called a permanent impairment agreement.
Often, workers who get this payment from the insurance company believe that their workers’ compensation claim is closed or “settled”. This perception is untrue and workers can lose a lot of money if they never go back to work because of their injury.
In Vermont, the law provides lifetime payments for a worker who is permanently and totally disabled because of their injury and can never return to regular paid employment.
This is called Permanent Total Disability (PTD).
If you are eligible, PTD entitles you to get weekly benefit checks for the rest of your life or, even better, a lump sum settlement of those benefits that does not mess up your SSDI benefits. These lifetime payments can bring great relief to an injured worker and their family, but unfortunately, the insurance company does not tell injured workers about them.
People often believe that their permanent impairment agreement (their permanent partial disability benefit) is the end of their case. As a result, we receive lots of calls from people who have been out of work for years with work injuries and have no idea that they are entitled to anything more.
If you have a work injury, you might be eligible for PTD if:
If this describes you or someone you know, we strongly urge you to talk with an experienced workers’ compensation attorney. At BFS, we have handled hundreds of Permanent Total Disability cases, including many where a worker did not know they were eligible until years later.
It is heartbreaking to meet someone who is struggling to get by when they could have the security of a weekly check or lump sum settlement for the rest of their life. We are always glad to help injured Vermonters who find themselves in this situation.
After his injury, our client was not able to return to work as a driver for a confectionery company. He was paid just over $30,000 in Permanent Partial Disability benefits but was left with no source of income. With BFS’s help, he managed to get a lump sum Permanent Total Disability settlement of close to $300,000.