There are two distinct payment periods in every workers' compensation claim:
- During the initial healing period, we work to ensure wage loss benefits — temporary total disability (TTD) — and other payments, including medical expenses, travel expenses, lost wages and rehabilitation are made to compensate for our clients' losses.
- When you have reached maximum medical improvement (MMI), treatment options that can further improve your condition have been exhausted. At this point, your condition is assessed by your doctor and the insurance company's doctor to determine the degree of permanent or partial impairment. Temporary disability payments cease, and we work for further settlement with the insurance company in pursuit of permanent partial disability benefits (PPD).
An experienced and diligent lawyer is necessary to assist you in this process and ensure that all aspects of your injury and related needs and abilities are accounted for. A payment schedule will be determined, and we will advocate in your best interests.
At Loney & Schueller, LLC, we regularly negotiate with insurance companies regarding these benefits for our clients throughout Iowa. Insurance companies often work aggressively to deny, undervalue, miscalculate, underpay or cut your benefits short by refusing to recognize injuries, terminating benefits before you are fully healed, or getting you to make statements or sign documents limiting your rights.
We will protect your rights and the full benefits you deserve now and in the long term. You need an experienced advocate.
Contact us online, or call us at 515-505-3013 or toll free at 888-857-9266 to schedule a free initial consultation with a Des Moines permanent disability benefits attorney. All cases are represented on a contingency fee basis, meaning no recovery, no attorney's fees.
Collecting Disability: Temporary Total Disability and Partial Disability
Insurance companies and many large employers have nearly unlimited time and resources to use to fight your claim, but we can counter with the truth and extensive resources of our own. Doctors have an obligation to help injured workers heal, and medical expertise on our side helps to prove the seriousness and value of your case.
Temporary total disability (TTD) will pay two-thirds of your average weekly wages up to a statutory maximum, but benefits will be capped at 500 weeks.
Permanent partial disability benefits (PPD) will depend on your ability to return to work in the same position or in an alternative position. The degree of your impairment will either cause your benefit payments to be reduced or grant you long-term disability benefits.
We can help you dispute or challenge benefit calculations and supply expert medical witness testimony to your condition at any point. The key is consulting with us right away, trusting our judgment and experience, and taking the time to make informed decisions about your future.
Polk County Partial Disability Benefits Attorneys
Contact us online, or call us at 515-505-3013 or toll free at 888-857-9266 to schedule a free initial consultation with an attorney.