Questions We Are Asked Each Week By Clients...

We are often asked questions like how much should the insurance company pay?  How are my weekly benefits calculated?, etc.  So we have put together some of the questions we here the most and the answers to them.  We hope this helps you avoid making a mistake in your Iowa personal injury, car accident, dog bite, work injury or other injury matter.

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  • Should I get a lawyer after a car accident in Des Moines?

    You have no legal obligation to hire an attorney when filing a car accident claim, however, those who suffered serious injuries and have a lot of expenses will likely benefit from a lawyer’s expertise.  Iowa is an at-fault car insurance state.

    This means that when an accident occurs, the insurance of the motorist who caused the accident is primarily responsible for paying for damages. A motorist may file a lawsuit if unable to recover fair damages in a liability claim against the at-fault driver.

    A lot of Des Moines motorists wonder, "Should you get a lawyer after a car accident?" Below we go over some common issues that can help you decide whether to file a claim.

     Do I need a lawyer for a car accident?

    Individuals are welcome to file a claim and possibly a lawsuit on their own. They can also seek legal counsel and representation during the claims or lawsuit process. However, hiring an attorney can be advantageous, especially in certain cases.

    How can an attorney help me?

    While you don’t need to have an attorney on your side to file a claim for damages, you should know that most insurance companies have one goal in mind: making a profit. As such, it’s not uncommon for insurance companies to skew details and twist facts in order to present you with a settlement amount that’s way below what you deserve.

    Below are some of the benefits of hiring an attorney.

    • An attorney knows insurance and personal injury law.
    • An attorney can help gather evidence about the accident.
    • An attorney can build a case to prove the other party's fault and liability.
    • An attorney can negotiate a fair settlement amount.
    • An attorney can handle all the legal paperwork.
    • An attorney’s job is to advocate for you.

    When dealing with large amounts of expenses following an accident and injury, leaving your compensation up to hope and chance probably isn’t a good idea. A lawyer can help you formulate a strategic approach centered on making sure you recover fair compensation.

    Also, remember that you may file a lawsuit if you are unable to recover compensation in an insurance claim. Your attorney can be instrumental in helping you negotiate an out-of-court settlement and argue your case in court, if necessary.

    What should I do after a Des Moines car accident?

    If you suffered injuries in a car accident that you didn't cause, the first few things you should do are as follows.

    • Report the accident to law enforcement
    • Seek medical care
    • Report the car accident to your insurance company and that of the at-fault driver (but don't give any statements)
    • Call an attorney

    At Walker, Billingsley & Bair, our attorneys will fight to help you recover damages. To get started, call our offices now at 888-435-9886 or use our online contact form. Also check out our guide to car accident claims.

  • What should you do if approached by an unfamiliar dog in Des Moines?

    Most people are comfortable around the dogs they know, but many dog bites involve dogs with which the victims are familiar. Still, being approached by an unfamiliar dog can be scary; if it happens to you, you need to be prepared. Below are some dog safety tips and an overview of how to act around unfamiliar dogs.

    Hold Still

    If approached by an unfamiliar dog, the worst thing that you can do is make sudden movements, like running. Instead, holding still and staying calm is key to your safety. If you are calm enough, slowly and steadily back away from the dog. Make sure you don’t turn around, through; stay facing the dog at all times.

    Use the Right Body Language

    Many people who are approached by an unfamiliar dog will try to soothe the dog by smiling or trying to pet it. Both moves can be dangerous if the dog is aggressive, though. Never make eye contact, never try to reach out and touch the dog, and never smile – the dog may believe you are showing your teeth, which is a sign of aggression. Additionally, never use an aggressive or threatening tone when talking to the dog – if attempting to calm the dog down, use a soothing tone.

    Know How to Respond if Bitten

    Ideally, a dog would never bite you. But if an aggressive dog attacks, it’s important to know what to do. According to an article in CBS News published in June 2010, if bitten by a dog, never try to pull away from the dog or fight back by hitting or kicking – both actions will encourage the dog to attack harder. Instead, try to remain calm and put something in between you and the dog, like a purse or sweatshirt. If you are on the ground when attacked, roll your body into the fetal position and cover your head with your arms.

    Get Medical Attention and Talk to a Lawyer if Bitten

    If a dog bites you, seek medical attention immediately. Additionally, alert the dog’s owner and animal control as soon as possible. If your bite injuries are severe, seek legal counsel to discuss what legal action you may take to recover damages related to the bite.

    In Iowa, the law protects dog bite victims by holding the owner of the dog liable in the majority of cases. If you’ve been bitten and you were not committing an illegal act at the time of bite, then the owner will be liable for your damages. Damages may include the cost of medical care (short- and long-term, if needed), lost wages while recovering, pain and suffering, and more. If you need help recovering damages, call the attorneys at Walker, Billingsley & Bair in Des Moines.

    Our attorneys understand the trauma – both physical and emotional – that victims might experience after dog attacks. We can help recover compensation for injuries, pain and suffering, and more, so call our offices today at 888-435-9886 or use our online contact form to set up your appointment.

  • How does workers' compensation and employer's liability work?

    Every state including Iowa has laws in place to protect the rights of workers when they’ve been injured on the job. These laws require all employers to carry workers’ compensation policies, which pay for medical care and lost wages when an employee is hurt at work.

    But some become confused about workers' compensation and employer's liability – i.e., must an employer be liable for an injury in order to recover compensation?

    In workers’ compensation cases, there is a no-fault rule that eliminates the need to prove that your employer caused your work-related accident, injury or illness. If your condition is a direct result of your work duties or related to an incident that occurred while performing your job, you are entitled to recover benefits under workers' compensation laws.

    Can I file a lawsuit if my employer was negligent?

    Generally, no, you cannot file a lawsuit against an employer, even if the employer was negligent and caused your injuries. Workers' compensation not only protects workers by ensuring they have benefits available to them in the event of an injury, but also protects employers from liability in most cases.

    The exception to this rule may be if the employer intentionally caused the injury. But this is rare and can be difficult to prove, so in most cases, you cannot file a lawsuit against your employer.

    What if somebody else was negligent? Can I still get workers' comp?

    Yes, if another party other than your employer or a co-worker caused your injury, you may recover workers' compensation benefits, provided that the injury occurred during the scope of your employment.

    So if you were in a car accident on the way to work, this generally is not considered in the scope of your employment, and you would be unlikely to qualify for workers' compensation. You could pursue a liability claim against the other driver, though, if that driver caused your wreck, if you can prove liability.

    But if you were in a car accident while running errands for your employer, then you may be entitled to workers' compensation whether you were at fault or not. And if the other party was liable for your accident, you may also be able to pursue a third-party liability claim in addition to workers' compensation benefits; but you'll have to prove the other party's liability. Review how these cases affect each other with your lawyer.

    What Does Workers’ Compensation Cover?

    Workers’ compensation coverage is designed to pay for medical bills related to your injury. This may include examinations, tests such as X-rays or MRIs, prescription medications, therapy services or follow-up visits. Workers’ compensation benefits also pay for reasonable mileage reimbursement for your traveling requirements to receive care.

    You are also entitled to disability benefits. There are several types of disability benefits for which you may be eligible depending on the circumstances of your case, so consult a lawyer about the types and amount of damages you may recover.

    Walker, Billingsley & Bair Can Help with Workers’ Compensation Cases

    Walker, Billingsley & Bair in Des Moines is dedicated to helping workers obtain fair workers' compensation and settlements for work-related injuries or illnesses. We understand the laws surrounding workers’ compensation claims and we can help you navigate the complex claims process. Especially in cases where a partial or total disability is the result of the work-related accident or illness, it is essential that your rights are protected and that you receive the type of compensation to which you are entitled.

    Call us today at 888-435-9886 to set up a free consultation to discuss your case with an attorney.

  • Can I still file a dog bite claim if I killed the dog during the attack?

    In some instances of dog attacks, the victim attacked may kill the dog in self-defense. Killing a dog during a dog attack may leave the victim feeling badly for the dog in some cases, and also lead to legal questions about whether one could face criminal charges and how it affects their ability to recover compensation in a dog bite claim. If you’ve killed a dog in self-defense in Des Moines, here’s what you need to know about your legal rights.

    Iowa Strict Liability Statute

    When it comes to dog bite law in Iowa, the state has a strict liability statute. A strict liability statute means that in the case that a dog attacks another person, the owner of the dog is almost always liable. This law can be found in Iowa Code 351.28, which reads, “The owner of a dog shall be liable to an injured party for all damages done by the dog, when…the dog is acting or attempting to bite a person…” The exception to this law is in the case that the victim was doing an unlawful act, such as trespassing.

    Iowa Self-Defense Laws for Dog Attacks

    In most cases, killing a dog during a dog attack is justified if the action is in self-defense. According to Iowa Code Ann. Section 717B.2, a person is guilty of an aggravated misdemeanor if he or she "intentionally injures, maims, disfigures, or destroys and animal owned by another person…" But this shall not apply if the "person is reasonably acting to protect a person from injury or death caused by an unconfined animal," which might be the case in a dog attack.

    Do I have a personal injury case?

    If you have killed a dog in self-defense, but sustained injuries before the death of the dog occurred, then you may still have a case for damages. The exception to this rule would be if, as noted above, you were committing an illegal action at the time of attack or if the dog had rabies and the dog owner was not aware of the dog's condition.

    Assuming that you were not committing an illegal action, and the dog was not rabid, then the dog owner may be liable for injuries regardless of whether or not the dog was killed in self-defense.

    Contact a Dog Bite Attorney if Injured in Des Moines

    If you killed a dog in self-defense and are concerned about whether you can still recover damages that you suffered, get help from an attorney. The dog bite attorneys at Walker, Billingsley & Bair can walk you through your legal rights and help you exercise those rights to recover compensation. Call us today at 888-435-9886 to get started. 

  • How long does it take to settle a car accident claim in Des Moines?

    There is no specific amount of time it takes to settle car accident claims in Des Moines. How long it takes to settle a car accident claim depends upon numerous factors, which adds a lot of variability to timeframes. A simple, straightforward case with no injuries might settle in under a month, whereas a serious or highly contentious case might take a year or more.

    Factors that Affect Settling a Car Accident Claim

    There is no one-size-fits-all claim completion schedule; each has its own unique circumstances and potential speed bumps. Below are a few of the factors that can affect how long a claim might take.

    • Seriousness of injuries: When there is a serious or catastrophic injury involved, claims can take much longer. The case will not settle until there is a clear picture of the extent of the injuries. Doctors need time to assess the overall expected impact the injury will have on the victim’s life.
    • Fault is argued: In situations where fault and negligence are being argued, it may take some time for the parties to reach a settlement.
    • Extensive damages: Claims that have a high value will take longer to settle. Insurers may try to argue their way out of having to pay large settlements by either trying to refute your injuries, minimize their severity, or apportion blame to you.
    • Complexity: If there are multiple parties involved, or if there is also a third-party claim such as for a car manufacturer, the case can take longer than average..

    Speeding along Your Claim

    Much of the claims process is out of your hands, but there are several things you may be able to do to speed along the settlement. First and foremost: be diligent and timely. When your attorney asks you for information, provide it as soon as possible.

    You can also do a lot of the footwork involved in a claim to assist your attorney. For instance, you can collect the police report, your medical records and bills, and any other required documents on your own and share them with your lawyer.

    Making Ends Meet in the Interim

    If you are injured and not able to return to work, it’s quite understandable to want to rush to settlement. Rushing and signing the first settlement that comes your way isn’t advisable, though, because you’ll often get far less than what your claim is actually worth.

    To make ends meet while awaiting your claim to settle, you might talk to family or friends for a personal loan. You can use what resources you may have available such as savings, disability insurance, or public assistance. As a last ditch effort, you might consider personal injury lawsuit funding. You can speak to your lawyer about what that type of funding entails.

    Get a Free Legal Consult with a Car Accident Lawyer in Des Moines

    If you don’t have an attorney, you should know that having legal representation may benefit you as you work toward a settlement. Car accident victims who have lawyers get much larger settlements, with the added benefit of having a professional legal confidante throughout each step of the legal process.

    For a free consultation with a car accident attorney in Des Moines, call  Walker, Billingsley & Bair today at 888-435-9886.

  • How do I schedule/reschedule a workers compensation hearing?

    You can schedule or reschedule a workers’ compensation hearing by following the procedures provided on the Iowa Division of Workers’ Compensation (DWC) website. However, many workers feel intimidate by the process and fear they’ll make an error that could be costly for their case. An attorney can assist you with scheduling your hearing, as well as preparing you for the meeting, and helping you present the facts to the overseer.

    Scheduling a Workers’ Compensation Hearing

    The first step in scheduling a hearing is to look at the court calendar and determine which dates have openings. To check the calendar, you can visit the DWC’s hearing schedule page and select “Venue” in the left sidebar. After selecting blue arrow beside the appropriate venue, e.g., Des Moines, you can search in the third column for any dates that are highlighted in blue. These are dates that are available.

    Once you’ve selected a couple of possible dates, you’ll need to make sure each party approves of the date(s) before requesting a hearing. You then email the DWC with your hearing request using the email address listed on the hearing schedule page.

    When you request a hearing, you must include the following information in your email.

    • The file number
    • All parties' names
    • Your preferred hearing dates and times
    • The venue in which you want your case to be heard.

    What You Can Expect at the Hearing

    Your case will be heard by the workers' compensation commissioner, the head of the DWC. It’s the DWC’s job to administer, regulate, and enforce the workers’ compensation laws, and it’s the commissioner’s job to oversee disputes.

    At the hearing, the commissioner is to remain unbiased, hear both sides of the case, and make a determination based on all the presented evidence. 

    Some of the evidence she can take into consideration when determining the outcome of your case include the following.

    • New medical records
    • Recent treatment results
    • Your pain/injury journal
    • New developments in your condition
    • Records and notes from medical professionals
    • Second opinions

    Unfortunately, many workers’ comp claims are denied because of insufficient evidence. If you’re concerned with the outcome of your hearing, it’s wise to have a legal professional help you prepare for and present your case.

    There is too much at stake to not have the support, counsel, and back-up you need at the hearing. Even the DWC states on its site, “Though not required, it is usually advisable to consider the need for legal representation when filing a contested-case proceeding.”

    Rescheduling a Hearing

    If you need to reschedule your hearing, you essentially go through the same procedure as mentioned above for initial scheduling. When you’ve selected a few possible dates and times and have cleared them with the other party, you’ll need to reschedule the hearing via phone.

    You can call the DWC rescheduling number at (515) 281-6621 from 8:30 a.m. to 11:00 a.m., Monday through Friday. If you have hired an attorney to assist you, he or she will likely handle any scheduling or rescheduling for you.

    Get a FREE Consult with a Workers’ Comp Attorney in Des Moines

    To discuss your case with a workers’ comp attorney in Des Moines, or to inquire about how an attorney can help you prepare for a hearing and improve your chances of a successful claim, contact our office,  Walker, Billingsley & Bair. Contact us today for a free consultation at 515-440-2852.

  • Can an employee injured at a company event in Des Moines still file for workers’ comp?

    An employee injured at a company event in Des Moines may or may not be eligible for workers’ compensation benefits, depending upon the nature of the event. This is a highly complex area of the law and the courts often have difficulty making rulings about employer responsibility at events.

    If you were injured at a company social, conference, off-site meeting, or other event while not officially on the clock, seek advice from a workers’ compensation attorney.

    Determining Eligibility for Workers’ Comp if an Employee is Injured at a Company Event

    Generally speaking, if you are injured while performing a job-related duty during the course of your employment, you are covered by workers’ compensation. The area becomes a little grey when you are injured at a company event and not necessarily while at your place of employment and not during working hours.

    The Iowa Division of Workers' Compensation or the courts will have to determine the employer’s liability for the injury based on whether or not the event can be considered truly work-related.

    Below are a couple of guiding factors the courts often use when making their determinations.

    • Were you expressly or implicitly required to attend the event?  
    • Did your employer receive benefit by your attendance?
    • Was your company assigned to the event?
    • Did it occur on company property?

    Litmus Test of Employer Liability for Employee Injured at a Company Event

    Iowa courts use a general litmus test for determining employer liability at company events, referred to as the “business-related benefit test.”  Essentially, if the company benefits from the event, it might be responsible for employee injuries at the event.

    However, if the only benefit the company receives is a boost in morale, the injured worker may not be eligible for workers’ compensation. It’s difficult to ascertain company liability in some instances; each case is different and needs to be carefully analyzed by a legal professional.

    For example, if you were injured while you were voluntarily at a company picnic, you weren’t paid, you didn’t have to be there, and your employer did not benefit from your attendance, you will likely not qualify for workers’ comp. Conversely, if you were at a mandatory off-site conference or if you were manning a concession table for your company at a community event, you will likely qualify.

    Example of Employee Injured at Company Event & Who Sought Workers’ Comp

    In the case of Gazette Communications v. Powell, a man injured himself while at a bowling event that an employee committee had sponsored. The workers’ comp commissioner decided that because the company benefited from the employee’s participation, workers’ compensation applied.

    However, the district court and the Court of Appeals later overturned that answer. They found that “morale and efficiency benefits are not alone enough to bring recreation within the course of employment.” So, because the sole benefit the employer received was an increase in employee morale, the event was not within the scope of employment.

    Our Workers’ Comp Attorneys Can Determine Your Eligibility

    If you were an employee injured at a company event in Des Moines and believe you’re eligible for workers’ compensation, we encourage you to give us a call to talk about your options. You might be eligible for benefits or additional types of compensation such as a third-party claim if another party (like a property owner or manager) was negligent and you suffered an injury because of that negligence.

    Contact us today at Walker, Billingsley & Bair in Des Moines for a free consultation: (641) 792-3595.

  • I need a doctor in Iowa to rate a burn injury from a work accident. Where can I go?

    Thousands of workers are injured every year while on the job or doing work-related tasks. When a worker in Des Moines sustains an injury while on the job, they are usually covered by workers’ compensation. Workers’ compensation often provides benefits in the form of medical care, disability benefits, death benefits, and more.

    One type of injury that’s relatively common in some types of industries is burn injuries. Burns can range in severity, and often require medical attention and assessment. If you suffer such an injury and wish to seek workers’ comp, you’ll need a doctor in Iowa to rate the burn injury from your work accident. Here’s what you need to know about finding a doctor to rate the severity of the burn.

    Who chooses medical care?

    In Iowa, the law stipulates that if you want workers’ compensation to pay for your doctor and healthcare expenses, then you will have to receive treatment from a healthcare professional your company selects. Essentially, the employer has the right to choose the doctor that the employee sees. Ask your employer or supervisor to direct you to an approved doctor.

    The doctor will give you an impairment rating for your burn injury. If you feel the rating is too low, then you can request another examination by a doctor that you choose. Your employer pays for this independent medical examination (IME).

    Why should I get an IME after the company doctor rates my burn injury?

    When it comes to serious medical issues, getting a second opinion is often a good idea. A burn injury can range in severity, as you may have a first-degree, second-degree, or third-degree burn. Third-degree burns are the most extreme, and may cause permanent disfigurement because they affect all layers of skin and even muscles or other tissue.

    The degree of burn that you have may affect the benefits to which you’re entitled under workers’ compensation law. A first-degree burn may cause no impairment, for example, while a third-degree burn may cause lasting impairment that warrants a higher impairment rating.

    Permanent Partial Disability Benefits for Burns

    If your burn injuries cause permanent impairment, you may recover permanent partial disability (PPD) benefits. These provide 80 percent of pre-injury wages for a number of weeks depending on the body part that’s affected and the impairment rating issued by a doctor (for scheduled member disabilities).

    For example, if the burns cause permanent disfigurement on the face or head, then the worker is entitled to a maximum of 150 weeks of PPD benefits. If the impairment rating is 50 percent, then the number of weeks would be 50 percent of 150 weeks, or 75 weeks.

    In the case of an unscheduled member disability, the impairment rating plays a role in benefits, but many other factors are taken into consideration as well when determining PPD benefits.

    Hire a Lawyer if You Have a Dispute about Your PPD Benefits

    If you have been burned at work and are unhappy with the burn rating your doctor is issuing and need a doctor in Iowa to rate a burn injury from a work accident, you may see another doctor. If you are still disputing your benefits, you can seek help from an attorney.

    At Walker, Billingsley & Bair in Des Moines, our attorneys can provide legal relief during this difficult time. For help with medical care, filing a workers’ compensation claim, or getting the benefits you deserve, call us today at 888-435-9886 to get started. 

  • I injured my shoulder while performing a task at work. What should I do?

    When you’re injured in the workplace, there are a variety of steps you need to take to ensure you get the compensation you deserve, including filing a claim for workers’ compensation. If you’ve injured your shoulder while performing a task at work, refer to the following for what you should do.

    Injuries are a common occurrence in the workplace. In the state of Iowa in 2012, there were 4.5 total recordable cases of nonfatal occupational injuries per 100 full-time workers, according to the U.S. Bureau of Labor Statistics.

    Seek Medical Attention if You Injured Your Should While Performing a Task at Work

    If you’ve sustained a shoulder injury, the first thing that you should do is seek medical attention from one of the following.

    • a first aid team.
    • emergency room doctor.
    • or, other type of doctor or specialist.

    This person(s) will provide you with the care you need, a diagnosis of the type of shoulder injury, and give you valuable medical information about your shoulder injury that will be essential when pursuing workers’ compensation benefits.                                                 

    Notify Your Employer if You Injured Your Should While Performing a Task at Work

    After receiving medical attention, the next most important thing you should do is to notify your employer of the injury. According to Iowa Worker’s Compensation Law Section 85.23, the law requires that the employer have notice of the employee’s injury within 90 days of the injury. As such, the sooner you inform your employer of the injury, the better. If you fail to inform your employer of your injury within the 90-day period, you risk forfeiting benefits.

    Document the Work-related Shoulder Injury

    When a workplace injury occurs, it is important to keep a thorough record of the injury and any related information.

    • when the injury occurred.
    • where the injury occurred.
    • what you were doing when the injury occurred.
    • why you were doing what you were doing when the injury occurred.
    • any medical information about the injury.
    • the conversation you had with your employer regarding the injury.
    • and, any other relative information regarding your shoulder injury.

    This documentation may prove to be essential in getting you the benefits you deserve when applying for workers’ compensation.

    File a Claim for Workers’ Compensation

    The majority of employees in Iowa are covered by workers’ compensation in the event that they receive an injury while at work, and, a shoulder injury that is the result of employment activities is also covered.

    If you have been injured at work, it’s important that you file a claim for workers’ compensation benefits. Your employer or work supervisor should help you to file a report of injury, which will then be sent to a claims’ management service.

    If your claim is approved, you will begin receiving benefits immediately. If your claim is denied, you will be sent a letter in the mail. In the case that your claim for workers’ compensation is denied, you need to seek the help of a workers’ compensation attorney immediately.

    Seek the Help of a Lawyer if You Injured Your Should While Performing a Task at Work

    The law is designed to protect those injured while working. Unfortunately, some workers’ compensation claims are unfairly denied. If your claim is denied, or if you do not think you have received the benefits to which you are entitled under the law, seek the assistance of a legal professional.

    At attorney can help you to gather the documentation you need and will work to get you the benefits you deserve. If your claim has been denied or if you need help with the workers’ compensation claims filing process, don’t wait any longer to take action. At Walker, Billingsley & Bair, our attorneys are ready to work for you. To start fighting for your rights today, call our offices at 888-435-9886 or contact us online

  • How much is permanently disabled back injury case worth to workman’s compensation?

    If you sustained a permanently disabled back injury, workman’s comp is available if it is work-related. In Iowa, you may be entitled to permanent disability benefits. Consult an attorney to help you explore your options and file a claim. A qualified attorney will handle your workers’ compensation case and deal with any objections or denials so you can focus on getting well.

    What criteria do I have to meet to be eligible for workman’s comp benefits?

    In Iowa, to recover workers’ compensation benefits, you must be able to prove that your injury is related to your work duties or environment. An injury, for these purposes, is defined by the Iowa Administrative Code as “any health impairment other than the normal building up and tearing down of body tissues.”

    While many permanently disabled back injuries are the result of a sudden injury like falling from a height, some are related to overexertion over a longer period of time that can cause a serious back injury.

    Can I receive permanent disability workman’s comp benefits?

    If you have received a prognosis from your medical team that your back injury is permanent in nature, you may be eligible for permanent partial disability (PPD) benefits at the conclusion of the healing period, that is, when the worker goes back to work, can return to similar employment, or further healing is not anticipated. PPD benefits pay 80 percent of the worker’s spendable earnings up to $1,447 as of 2014.

    Iowa code Section 85.34 mandates that these benefits are distributed based on the seriousness of the permanent disability and, if appropriate, how it affects your ability to earn a living for the remainder of your lifetime. A permanently disabled back injury is an unscheduled disability, so more than just a doctor’s impairment rating – based on the AMA Guidelines to Permanent Impairment – is important to determine duration of benefits.

    The overall calculation process is complex and involves multiple factors designed to anticipate your loss of financial achievement over the duration of your entire remaining life.

    • age.
    • level of education.
    • changes in wages because of the injury.
    • and, more.

    In some cases, the claimant receives a settlement early in the process, and it’s important that you are wary of any initial offers. You could be entitled to much more than the insurer initially offered, and your attorney should review any such settlement agreements.

    What if I am totally and permanently disabled?

    If your permanently disabled back injury completely prevents you from working, workman’s comp may provide permanent total disability (PTD). This provides 80 percent of weekly spendable earnings up to $1,572 as of 2014. These benefits are available for as long as the injury is permanent and totally disabling.

    Call Walker, Billingsley & Bair for help

    Of course, lifetime medical benefits are also recoverable to pay for medical treatment and care for as long as needed whether you receive PPD or PTD. This can help ensure you receive proper treatment for the injury.

    If you’re suffering from a permanently disabling back injury, workman’s comp can help you recover medical and disability benefits. Walker, Billingsley & Bair in Des Moines can help you pursue fair benefits. We will help you file a claim, deal with any disputes, appeal a denied claim, and help with other aspects of the process as well. Call us today at 888-435-9886 or use our online contact form to set up an appointment with an attorney.