Permanent vs. Partial Disability in Cherry Hill Workers’ Comp
If you have been seriously injured in the course of your work, you’re entitled to workers’ compensation benefits. Every workers’ compensation claim is unique, but two primary forms of benefits include permanent and permanent partial disability compensation. To obtain the compensation you deserve, the best course of action is to consult with an experienced Cherry Hill workers’ compensation attorney at Matarazzo & Lubcher today.
Workers’ Compensation Insurance Covers You
Your employer is required to carry workers’ compensation insurance on you and all their other employees. This is a no-fault system, which means you do not have to prove your employer’s negligence in the matter.
If you are injured at work or suffer an occupational illness, you are covered for your reasonable and necessary medical costs. In addition, you are entitled to a specific percentage of your income, and how this benefit is structured will depend on the circumstances that apply.
If your injury or illness is long-term, which means it is expected to affect you for at least a year, or is permanent, either permanent disability or permanent partial disability benefits will apply. Understanding the distinction between the two can provide you with a better understanding of your claim and the compensation you deserve.
Permanent Partial Disability Benefits
Permanent partial disability benefits apply if you suffered a long-term disability but are still able to perform specific job functions. The amount of compensation awarded is based on the following three factors:
- Your average earnings at the time you were injured
- Which body part is affected
- The level of impairment you suffered
You will be assigned a permanent disability rating, which will be calculated as a percentage of your scheduled or nonscheduled loss.
Scheduled Losses
Scheduled losses are those that affect specific body parts. The State of New Jersey identifies these in a schedule that includes your arms, legs, eyes, ears, feet, and hands. Injuries in this category support scheduled loss benefits.
Nonscheduled Losses
Nonscheduled losses, on the other hand, refer to injuries to an area of the body, such as your back or neck, or injuries to an internal organ. These benefits are calculated based on the extent to which your ability to earn a living is affected.
Permanent Disability Benefits
When workers’ compensation leads to permanent disability benefits, it means that the employee is unable to engage in any gainful employment. Permanent disability benefits are initially provided for 450 weeks, and they extend beyond this point if the employee can prove an ongoing inability to earn.
Discuss Your Claim with an Experienced Cherry Hill Workers’ Compensation Lawyer Today
Obtaining fair benefits after being seriously injured on the job is essential to your future. The diligent Cherry Hill, NJ, workers’ compensation attorneys at Matarazzo & Lubcher will spare no effort in our pursuit of an optimal outcome for you. Learn more about what we can do to help by contacting us online or calling us at 856-460-5805 today.