When L&I decides to dump you, who is going to stop them?

Permanent Partial Disability (PPD) L&I Settlement

By Workers Compensation Lawyer Chris Sharpe

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

If I Will Never Return to Work , then usually the best possible settlement for you is a Pension, and probably not PPD.

I Have or  Will Return to Work, the PPD settlement is settlement money made at claim closure for an on the job injury. A PPD settlement is for someone who can return to work. 

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 permanent partial disability rating. Disability ratings are made by medical personnel, usually an IME doctor or your own doctor.  
  • How to help yourself – You’re doing the right thing now- getting informed. Keep reading the pages on this website.

When Can I Get a PPD Settlement?

A permanent partial disability PPD settlement, if any, is awarded at the end of the claim – after medical care is completed (maximum medical improvement reached) and you are employable (working or can work) 

Is PPD a Lump Sum or Time Payments?

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

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 you can Contact us, and don’t wait until its too late, res judicata.

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

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

Want to Know how Much PPD Settlement Money You are Going to Get? 

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, also know as permanent partial disability rating. 

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 settlement money.

Don’t worry about taking advantage of L&I. So long as you are honest with them 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 you have a good plan. I recommend that you follow the advice of a workers comp attorney. 

This is not rocket science. You can get a fair settlement, but don’t sit back and expect it to happen. 

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 Alvins story,  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 and don’t trust IME doctors.

You can  help the claims manager make the right decision. You can try to DIY. Get help if you run into problems. 

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’s Next?