Two Types of Permanent Injuries: Scheduled and Unscheduled
Scheduled InjuriesThis includes permanent work related injuries that involve a part of the body such as the eye, arm, hand, leg, foot, or ear. With these types of injuries, there are established periods allowed for compensation predetermined by state law, legal precedent and set insurance company policies. The percentage of disability determined by your doctor is plugged into a formula used to calculate a permanent disability. The award is paid out over a set number of months indicated in the formula and then end. The employer's insurance company will determine the amount they will pay each month and for how many months it will pay. It is important to pay careful attention to these awards because they are commonly miscalculated in favor of the insurance company. You may also be eligible to receive vocational training from the state if you are unable to continue your prior job. There are often many disputes over permanent injuries with scheduled awards.
Unscheduled InjuriesUnscheduled injuries are typically more general types of disabilities and include occupational diseases, injuries to a hip, shoulder, back or two "scheduled" injuries. If you have previously filed a Workers' Compensation claim, even in another state, you may be eligible for this type of award. An unscheduled award is based on your general reduction in your ability to earn, not just the percentage of disability. This means that it is possible to receive nothing if the insurance company proves that you have no diminished earning ability, even with a disability! Injuries can also be classified as unscheduled in other ways by Arizona law. An unscheduled injury has to be reaffirmed every year, can go up or down, and can be fervently contested by the insurance carrier. The assistance of an attorney can often be the difference between receiving nothing and a significant monthly award.