Is the insurance company paying me the correct amount?

Most benefits are based on your weekly earnings on the date of injury.

Temporary disability is paid at two-thirds of your average weekly wage. So, if you earned $900 per week, your temporary disability rate would be $600 per week. The current maximum temporary disability rate is $1,010.50 per week for injuries which occur in 2012 and is subject to a cost of living increase each year.

It is important to consider income from second jobs. These earnings may increase your temporary disability rate.

Remember that the insurance company wants to pay as little as possible. They will often try to calculate the rates to keep them low. The process for calculating the rate can be difficult depending on the number of hours worked, bonuses, overtime and scheduled raises. There are several methods of calculation. You want to be certain that a method favorable to you is used.

Permanent Disability is paid at different amounts, depending on the percentage of disability and year of injury. For injuries from 2006 to present:

Disabilities under 70% are usually paid at $230 per week. Injuries before 1/1/06 are paid at lower rates.

Disabilities between 70% and 99% are usually paid at $270 per week. Injuries before 1/1/06 are paid at lower rates.

100% permanent total disability is paid at the temporary disability rate for life subject to an annual cost of living increase. (For injuries after 1/1/03).

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