I got a PPD rating of 75% for my pinky and 5% for my ring finger. Adjuster telling me I only get 20 weeks? I thought it's 200 x .75= 150 weeks and 200 x .05= 10 weeks totally 160 weeks of my gross pay before injury?
Whenever you are suspicious of the insurance adjuster's calculations, you should take your medical reports down to a local workers compensation attorney, who can get all the facts, and go over things with you and best advise you of the ratings and your options. You can start your search for an attorney on this site, by clicking the "Find a Lawyer" link at the top of this page and then searching for a workers compensation attorney in your area. Best of luck to you.
I agree with Michael Lewis that you appear to calculate your disability on 200 weeks for both fingers and actually the statutory number of weeks is 25 and 20 respectively so that will make a big difference. Additionally, you would not multiple the number of weeks by your gross pay but rather by your "compensation rate" which is two-thirds of your average weekly wage before the accident.
Any reputable workers compensation attorney would be happy to talk to you in more detail about the specifics of your case and give you specific advise concerning the value of your ratings and whether or not you want to accept the value of your rating or pursue other options.
The rating money may not be your best option anyway. Down below is a link to a "Legal Guide" I wrote that explains this issue.
This answer is intended as general information and not as specific legal advice. If you want to have a free consultation with me, please contact me through AVVO.
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