Benefits for a Disabling Work Injury in Lowndes County

Workers’ compensation insurance operates on a no-fault basis and provides benefits to workers who experience an injury or illness on the job. Work injury victims require financial compensation to cope with loss of income, medical bills, and other injury-related expenses.

While many work injuries are minor, some can leave victims disabled and unable to resume their normal lives. Anyone who suffers a disabling work injury may have trouble managing simple tasks and may require long-term care.

Consider engaging a trusted workplace injury attorney to advise you on claiming the benefits of a disabling work injury.

Types of Disability Benefits for Worker’s Compensation Insurance

Workers’ compensation insurance provides a portion of your income if you cannot work due to an injury. The type of injury that caused a permanent or temporary disability will determine your benefits. Below are the four types of disability benefits:

Temporary Total Disability

Temporary total disability occurs when an injury or illness causes someone to be completely disabled for a temporary or fixed period. Fortunately, the injured worker can resume work after the recovery period.

The injured worker receives a portion of their income when they cannot work. Even so, you may cease to receive benefits if one of the following events occur:

• When you return to work
• When you withdraw from the labor market for other reasons apart from injury
• When you refuse gainful work consistent with your rehabilitation plan

Temporary Partial Disability

Workers’ compensation insurance pays an injured worker who cannot earn as much as they were making before the injury if they return to work. Since the injury prevents them from completing their usual job duties, the employer may not pay them their complete salary.

In most cases, an injured worker receives two-thirds of their lost wages as a temporary disability benefit. You can calculate lost wages by determining the difference between the employee's regular salary and the reduced income during recovery.

An experienced workers’ compensation attorney can help you compile medical evidence and negotiate for fair benefits from the insurance company.

Permanent Total Disability

Permanent total disability occurs when an employee suffers an injury preventing them from working in the capacity they received training. As a result, you may no longer work because of the injury.

Depending on the state, an injured worker can receive lifetime benefits or up to retirement age. The value of benefits may also depend on the nature and severity of the injury.

Permanent Partial Disability

An employee can receive permanent partial disability if they sustain a permanent impairment that prevents them from working as they did before the injury. It means an employee can work in a different role but make less income than before the injury.

Let an Experienced Lowndes County Workers’ Compensation Attorney Help You Obtain Benefits

If you or a loved one has suffered a disabling work injury, you may be eligible for disability benefits. An experienced attorney from Wallace D. Mills, P.C. can ensure you obtain full benefits to enhance your coping ability.

Contact us online or call us at 334-219 -9111 for a free consultation.