The purpose of Arizona’s workers’ compensation statute is to pay for medical costs, missed income, and the long-term effects of occupational accidents. Ensuring fair workers’ compensation settlement involves key steps and requires an understanding of the process:

1. Understand the Workers’ Compensation Benefits Available

You are entitled to different types of workers’ compensation benefits in Arizona.

• Medical benefits include all necessary medical treatments. It covers doctor visits, surgeries, medications, and rehabilitation costs.
• Temporary total disability (TTD) benefits cover 66.67% of your average monthly wage, subject to statutory caps.
• Temporary partial disability (TPD) benefits allow you to receive compensation for the difference between your pre-injury wages and your reduced earnings.
• Permanent partial disability (PPD) benefits provide compensation based on the severity of your disability.
• Permanent total disability (PTD) benefits entitle you to benefits for the rest of your life.

Identifying which ones apply to your case is key to getting a fair settlement.

2. Ensure Your Average Monthly Wage Is Accurately Calculated

Your average monthly wage (AMW) is used to calculate workers’ compensation benefits.

• Include all sources of income. Add up your bonuses, overtime, and side hustles.
• Consider any seasonal work adjustments.

3. Seek Maximum Medical Improvement (MMI)

Maximum Medical Improvement (MMI) is the point at which your health has stabilized. Your physician will assess you for permanent disability. This is important in determining PPD or PTD benefits eligibility.

4. Consult with Medical Experts

• Consult a different physician for a second opinion. Do this if you disagree with the workers’ comp physician’s assessment.
• Get copies of your medical reports. It should outline your treatment, prognosis, and any permanent disabilities. It determines the true cost of your medical treatment and future needs.

5. Don’t Settle Too Quickly

Avoid taking the first offer that insurance companies make. Some settlements absolve the insurer of future medical costs. It will compromise your future lost income or any ongoing medical care. Start by carefully assessing your health and chances of recovery.

Legal assistance is helpful in ensuring fair workers’ compensation. Hence, consult with a Workers’ Compensation Attorney to guide you with your case.