Strongly consider hiring an attorney when seeking a lifetime pension. At Gross & Kenny, LLP, our Philadelphia permanent disability attorneys will help you gather evidence and documentation showing that your injuries resulting from a workplace accident are severe enough to permanently disable you. Allowing our Pennsylvania workers’ compensation lawyers to handle your permanent disability case will also allow you more time and space to focus on healing after an accident at work leaves you seriously injured. We will handle the claims process while you recover.
When Will You Start to Receive Permanent Disability Benefits?
In most cases, you will only qualify for permanent total disability benefits when your condition no longer has the potential to improve further. If your doctor believes that there are other treatment options available that could help improve your condition, you will not yet be considered permanently and totally disabled.
Once your doctor confirms your disability, it is in your best interest to consult with an experienced workers’ compensation lawyer to ensure that your rights are protected. It is common for employers, or their workers’ compensation insurance carriers to deny lifetime pensions because they are expensive. Insurance companies and employers tend to look for reasons to avoid offering claimants the full amount of compensation they deserve because they are motivated to protect themselves financially.
If your initial claim is denied, your workers’ compensation lawyer can advocate for you and protect your interests. A qualified Philadelphia permanent disability attorney will be familiar with the strategies an insurance company might use in an attempt to deny you proper compensation. They will thus be able to respond to those strategies effectively.
Depending on the details of the final settlement, you may receive benefit payments monthly, bi-monthly, or on another schedule determined by your state. In addition to the regular payment, you may be eligible for continuing related medical benefits, including new hearing aids if your hearing loss was due to a work injury, and new prosthetic devices if an industrial injury resulted in an amputation.
Be aware that it would be unethical for an attorney to guarantee that hiring them will result in you securing a lifelong pension. A lawyer you can genuinely trust won’t make any promises. Still, having an experienced Philadelphia workers’ compensation lawyer on your side will undeniably increase your odds of recovering an appropriate amount of compensation.
Pros and Cons of Accepting a Settlement
Another topic your attorney will discuss with you is whether you should or should not accept a settlement offer. The pros and cons of accepting an offer can vary from one case to another, but they generally include the following:
If you decide not to accept a settlement with your company’s workers’ compensation insurance, you can pursue the following options:
- Accept the weekly permanent disability payment that the insurance company offers
- Go to trial with the insurance company to seek more money, whether it is a higher lump sum or weekly payments
- Avoid the stress and hassle of waiting for and attending a hearing
- The insurance company may offer you money in exchange for benefits you may never use, like future surgeries for a hand injury
- If you give up your right to future medical treatment as part of your settlement, you will have a hard time having your health plan cover it at a later date.
- If the settlement is in the form of a lump sum, some might spend the money right away. A weekly payment could be more helpful with monthly expenses.
Philadelphia Workers’ Compensation Lawyers of Gross & Kenny, LLP Help Clients Obtain Permanent Total Disability Benefits
If you have a permanent disability as a result of a work injury, the Philadelphia workers’ compensation lawyers of Gross & Kenny, LLP, are on your side to make sure you receive the benefits you are entitled to, so that you can continue to support yourself and your family. To schedule a complimentary consultation, call us today at 215-512-1500 or contact us online. Our offices are located in Philadelphia, where we serve clients throughout Pennsylvania.