The first step is to understand Arizona’s workers’ compensation system. It helps secure a fair workers’ compensation settlement. Employers are required to have workers’ compensation insurance. It should offer medical benefits, salary replacement, and other forms of assistance to injured employees.
1. Calculate Future Costs
The workers’ compensation settlement for long-term injuries covers current medical bills and lost wages. Here are the other inclusions.
- Future medical costs for treatments, surgery, physical therapy, and medications.
- Vocational rehabilitation for retraining for a different job.
- Compensation for any permanent impairment or disability affecting your ability to work in the future.
2. Understand Permanent Disability Ratings
Arizona determines your level of disability based on the American Medical Association (AMA) guidelines. This is crucial in calculating your settlement for PPD or PTD claims. It is important to understand how your physician or the insurance provider rated your disability.
You have the right to challenge the impairment rating. Undergo an independent medical exam (IME) or request for an administrative hearing.
3. Negotiate Fair Workers’ Compensation Settlement Strategically
Knowing fully your medical condition, your benefits eligibility, and the long-term effects of your injury allows you to negotiate with the insurance provider more effectively.
- Prepare all your medical reports, wage records, and any proof of permanent injuries.
- Do not settle for low offers. Make a counter offer supported by evidence of your lost income and medical needs.
- You always have the option to hire a Workers’ Compensation Attorney to protect your rights. They can help you gather evidence and negotiate on your behalf.
4. Filing an Appeal if Necessary
Submit an appeal to the Industrial Commission of Arizona (ICA). Act quickly as there are strict deadlines.
5. Be Aware of Fair Workers’ Compensation Settlement Types
Workers’ compensation settlements in Arizona can come in different forms:
- Lump-sum settlement: This is a one-time payment.
- Structured settlement: This type of payment is made over a certain period.
- Full and final settlement: It releases the employer and insurance provider from future liability for the claim. Be careful with this option. Consult a workers’ compensation lawyer first.
Be cautious. Prepare all supporting documents. Negotiate based on the long-term impact of your injury. These are key steps to securing a fair workers’ compensation settlement.