When you suffer any workplace injury that could potentially put you out of work, be sure to first give written notification to your employer regarding your injury. If you do not give notice within 30 days of your injury, your employer’s workers’ compensation insurance may reject your claim. Once approved, your compensation will be determined based on your wage for an average week. So, what if you are only partially disabled? Do you still qualify for compensation? Workers’ compensation covers all who suffer disabilities while performing job duties, whether you are partially or totally disabled.
Permanent partial disability compensation is based on the type of injury you suffer; if you lose a thumb, for example, or you suffer another type of injury that would only prevent you from performing some of your job duties. For injuries of this type, according to Louisiana State Legislature, your compensation is around 2/3 of your normal wage. Often, different injuries result in differing periods. The loss of a thumb may warrant a 50-week period of compensation, and an index finger may only result in a 30-week payment period.
To qualify for permanent partial disability compensation, you must be able to prove your inability to perform your job duties. For this reason, and for your own peace of mind, you may want to seek the examination of a trusting physician who will cover all bases and provide you with the records you need for your claim.
What if the insurance company denies my workers’ comp claim?
If you receive a denial of your claim, you have the right to pursue an appeal. However, you should not face the insurance company on your own. An experienced attorney will often know the ins-and-outs of these situations, as well as how to approach an insurer, and they can help you develop a strong case.