Georgia’s workers’ compensation system is compulsory, which means most employers in the state are required to provide their employees with workers’ compensation insurance. Disability benefits provided through workers’ compensation are available to workers whose injuries leave them either temporarily or permanently disabled, thereby affecting their ability to work and earn an income. One portion of GA’s workers’ compensation system designates benefits for workers who are injured on the job and, as a result of the injury, are left with a disability that is partial in character but permanent in quality. These are called permanent partial disability (PPD) benefits. If you have suffered from a physical disability caused by an on-the-job injury in Marietta, contact our workers’ compensation lawyers at Rechtman & Spevak to discuss your compensation options.
Permanent Partial Disability Defined
Permanent partial disability benefits in Georgia are designed to compensate an injured worker for the permanent physical impairment sustained to a body part, or the body as a whole, as a result of an on-the-job injury. Compared to temporary total disability (TTD) benefits and temporary partial disability (TPD) benefits, which are paid to injured workers as compensation for lost wages due to their workplace injury, Atlanta PPD benefits are intended as compensation for the entire loss of a body part, the loss of the use of a body part, or impairment to the injured worker’s body as a whole. PPD benefits under Georgia’s workers’ compensation laws are only payable after an injured worker is no longer receiving TTD or TPD benefits.
Determining Permanent Partial Disability in Georgia
If you are injured on the job in Georgia, your first course of action should be to report the injury to your employer, as this is a necessary step in collecting adequate medical benefits or disability benefits for your injury down the line. In order to receive these benefits, you must first be examined by one of a panel of approved physicians, whose report will have a significant impact on the disability benefits you are eligible for. Once your physician assigns a PPD rating to your injury, your employer’s insurance company must pay weekly income benefits equal to two-thirds of your average weekly wage for the number of weeks dictated by the percentage of bodily loss. The Georgia Workers’ Compensation Act provides formulas for calculating the benefits you are owed when a doctor gives you a permanent partial disability rating.
Collecting PPD Benefits for Workplace Injuries in Atlanta
In Georgia, payments for permanent partial disability are made based on a percentage of the worker’s wage, subject to a weekly maximum. To determine the percentage of impairment caused by the workplace injury, the authorized treating physician must consult the American Medical Association’s (AMA) Guides to the Evaluation of Permanent Impairment. For example, if your on-the-job accident caused an injury to your arm, your doctor will apply his knowledge of your condition and necessary treatment to the AMA Guides in order to determine the percentage of your impairment. This percentage, which could be 15% as an example, is then matched with the number of weeks of disability payments dictated by Georgia law. Payments can range from 20 weeks for a toe injury to 300 weeks for a back injury or whole body impairment. You can use our Permanent Partial Disability Calculator to determine what your impairment rating is worth.
Contact a GA Disability Benefits Attorney For Help
Permanent partial disability benefits are payable to workers who sustain permanent injuries on the job, even if the worker never misses a day of work or loses any wages due to a workplace injury. If you have sustained a serious workplace injury in Georgia, and you believe you are entitled to permanent partial disability benefits, contact our qualified workers’ compensation attorneys at Rechtman & Spevak to discuss your legal options. On-the-job injuries that result in a PPD rating can severely affect a worker’s ability to perform his or her duties at work and may even inhibit the worker’s ability to earn an income. Unfortunately, many injured workers are denied PPD benefits, simply because the workers’ compensation insurance carrier is trying to protect its bottom line. With the help of an experienced disability benefits lawyer in Atlanta however, injured workers can protect their legal rights and pursue the compensation they deserve.