Permanent Disability is a benefit that compensates you for your injury. At the end of your case, your treating doctor or evaluating doctor (Agreed Medical Evaluator or Qualified Medical Evaluator) will write a report describing your “permanent disability.” This happens after your condition is “permanent and stationary.” Permanent Disability benefits will never make you whole.
How much you get depends on your “Permanent Disability Rating”.
A Permanent Disability Rating is a number between 0 and 100 reflecting the severity of the residual disability. A 0% rating means no disability; a 100% rating means total disability – no earning capacity.
Permanent Disability “Rating” is a process used in the Workers Compensation system. We take the doctors descriptions of your disability and translate it into a percentage of disability between 0 and 100 using complicated rules. The rating gets adjusted by the type of injury (body part involved), your age and your occupation. There is usually a big difference between the “whole person Impairment ratings” in the doctors’ reports and the Permanent Disability Rating. There is no compensation for pain and suffering in workers’ compensation.