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Permanent Partial Disability (PPD) L&I Settlement

By Workers Compensation Lawyer Chris Sharpe

What is an L&I Permanent Partial Disability (PPD) Settlement?

A PPD settlement is an award of money made at claim closure. A PPD settlement is for someone who can return to work. If you cannot return to work, see Pension

How Much Settlement Money will I Get With  an L&I Permanent Partial Disability (PPD) Settlement?

PPD – The amount of PPD settlement money varies with the date of injury, the seriousness of the disability, whether you have any liens or overpayments on your claim, and what you do to help yourself.

  • Date of injury is important because each year L&I increases the amount of money they will pay for a particular disability. The payment you receive is found in the PPD schedules. The schedule you use is based on your date of injury.
  • The  seriousness of your disability is measured by your disability rating. Disability ratings are made by medical personnel, usually an IME doctor or your own doctor.You can change your rating by changing your rating examiner. Ratings are done by IME doctors and/or your doctor.
  • How to help yourself – see Permanent Partial Disability (PPD) L&I Settlement

Is PPD a lump sum or time payments?

  • Small PPD payments are lump sum. If the award amount is less than three times the state’s average monthly wage at the date of injury, a check for that amount is sent.
  • Modest and large PPD payments are both lumpsum and time payments.  If the award exceeds  more than three times the state’s average monthly wage at the date of injury, a down payment of that amount is made. The balance of the award is paid in monthly installments equal to the worker’s monthly time-loss compensation (at the time of closure).

Can a Washington State L&I Lawyer Help Me? 

A free phone consultation with an L&I lawyer will answer that question. They can easily assess where you are and what should be done next. Once you get their advice, you can DIY or you can ask them if they will help you. A good workers’ compensation lawyer won’t take your case unless they believe they can improve your settlement.  Initial consultations by our law office always are free. We can help you plan a smart course of action and get the best possible settlement.   Contact us. 

What can I do to help myself?

Understand the L&I claim process. Get your claim open, get your medical care, get your time loss, be ready to and /or return to work. At this point you are in position to have your disabilities rated and your claim closed.

Understand how PPD works, see An L&I Settlement Example.

If you like complex and difficult things look at PPD Settlement Rules.

Make sure your physical and mental losses are fairly and accurately assessed (don’t trust IME doctors). Help the claims manager make the right decision.

What If I Don’t Like my Settlement Amount?

Do something about it. You can do it yourself with a  protest or appeal, or you can get a lawyer. If you want to talk to a lawyer Contact us, and don’t wait until its too late, res judicata.

Can I Cash a PPD Check and Ask for More Money?

Yes, you can cash a PPD check and ask for more. You ask for more by appealing or protesting the closing order before the 60 day deadline passes.  

 PPD rules are complex.  

If these rules and the PPD procedure is too complex, not to worry.  You don’t have to know how to apply the rules to get paid. We can tell you what L&I plans to pay you, if you can tell us:

  1. Your date of injury
  2. The affected body part(s)
  3. Your category or percentage rating for each affected body part

What is a fair L&I Settlement?

Who decides what is fair? Does anyone ever get back what they have lost? How do you keep from getting the short end of the stick when you are hurt on the job?

L&I settlements are inherently unfair – they are a compromise. Nobody ever gets back what they have lost – you lose the use and function of a body part – but L&I can only give you money.

Don’t worry about taking advantage of L&I. That is not going to happen. As for not getting a bad deal, that depends on your facts, the claim management, what you do to help yourself, and whether or not a workers comp attorney will help you. You can do this! 

What’s Next?