{"id":1828,"date":"2020-08-14T18:28:46","date_gmt":"2020-08-14T18:28:46","guid":{"rendered":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/?p=1828"},"modified":"2020-08-15T15:12:13","modified_gmt":"2020-08-15T15:12:13","slug":"3-things-to-check-to-determine-if-your-ppd-award-workers-compensation-settlement-is-correct","status":"publish","type":"post","link":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/2020\/08\/articles\/benefits\/permanent-partial-disability-awards\/3-things-to-check-to-determine-if-your-ppd-award-workers-compensation-settlement-is-correct\/","title":{"rendered":"3 Things to Check to Determine If Your PPD Award \/ Workers\u2019 Compensation Settlement Is Correct."},"content":{"rendered":"<p>Frequently I am asked by potential clients and current clients whether there is a settlement at the end of their workers\u2019 compensation case or how much their case is worth. This question is often hard or impossible to answer. Sometimes, I can estimate whether I think you are likely to have a permanent partial disability (PPD) award and ballpark what I think it might equate to. However, your PPD award or workers\u2019 compensation settlement is a figure that is based on your rating percentage, your age, your average monthly wage, and a figure from the applicable annuity table. For purposes of this blog a PPD award and a workers\u2019 compensation \u201csettlement\u201d are the same thing. Below are 3 things to check to determine if your PPD award \/ workers\u2019 compensation settlement is correct.<\/p>\n<figure id=\"attachment_1829\" aria-describedby=\"caption-attachment-1829\" style=\"width: 595px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-content\/uploads\/2020\/08\/3-things-to-Check-PPD-Settlements-2.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1829 size-full\" src=\"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-content\/uploads\/2020\/08\/3-things-to-Check-PPD-Settlements-2.png\" alt=\"3 Things to Check to Determine if your PPD Award Workers \/ Compensation Settlement is correct\" width=\"595\" height=\"842\" srcset=\"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-content\/uploads\/2020\/08\/3-things-to-Check-PPD-Settlements-2.png 595w, https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-content\/uploads\/2020\/08\/3-things-to-Check-PPD-Settlements-2-212x300.png 212w\" sizes=\"auto, (max-width: 595px) 100vw, 595px\" \/><\/a><figcaption id=\"caption-attachment-1829\" class=\"wp-caption-text\">3 Things to Check to Determine if your PPD Award Workers \/ Compensation Settlement is correct<\/figcaption><\/figure>\n<ul>\n<li>\n<h3>Is your average monthly wage correct?<\/h3>\n<\/li>\n<\/ul>\n<p>Your average monthly wage is a figure that is determined by your workers\u2019 compensation adjuster, which they use to calculate your temporary total, temporary partial, permanent partial, and permanent total disability benefits.<\/p>\n<p>The workers\u2019 compensation insurance adjuster will request your wage information from your employer through a <a href=\"http:\/\/dir.nv.gov\/uploadedFiles\/dirnvgov\/content\/WCS\/d-8.pdf\">D-8 form<\/a>. There are two ways to calculate average monthly wage, through a 84 days and 1 year wage history. The workers\u2019 compensation adjuster should also factor in any concurrent (second job) employment you had at the time of the injury. The adjuster must use the highest average monthly wage figure.<\/p>\n<p>The higher your average monthly wage the higher your PPD award \/ workers\u2019 compensation settlement.<\/p>\n<ul>\n<li>\n<h3>Did the insurance company use the correct annuity table?<\/h3>\n<\/li>\n<\/ul>\n<p>An annuity table is a set of figures that conform to a person\u2019s age, the inflation rate, interest rates, and life expectancy. These tables are created by an actuary and adopted by the Division of Industrial Relations (DIR) every year on July 1<sup>st<\/sup>. The workers\u2019 compensation insurance company must use the table that has been adopted by the DIR at the time the injured worker accepts the PPD award. Meaning if your workers\u2019 compensation adjuster made the PPD award offer on June 28<sup>th<\/sup> and you accept the award on July 2<sup>nd<\/sup> they must recalculate the PPD award using the new tables. The current annuity table can be found <a href=\"http:\/\/dir.nv.gov\/uploadedFiles\/dirnvgov\/content\/WCS\/ImportantDocs\/WCS%20Actuarial%20Annuity%20Table%207.1.20-6.30.21%20signed.pdf\">here<\/a>.<\/p>\n<ul>\n<li>\n<h3>Did the rating doctor give you the correct PPD percentage?<\/h3>\n<\/li>\n<\/ul>\n<p>At the end of all your treatment for a work-related injury your workers\u2019 compensation doctor will state whether you have a ratable impairment. A ratable impairment means you have a lasting effect from the injury you suffered at work, otherwise known as a permanent disability. A permanent disability does not always equate to the same thing as a disability in the eyes of, for example, social security disability. In workers\u2019 compensation this permanent disability if established using the AMA Guides to the Evaluation of Permanent Impairment. Nevada uses the 5<sup>th<\/sup> Edition of the AMA Guides to the Evaluation of Permanent Impairment. Your percentage of impairment can be determined by your symptoms, your range of motion, and the type of treatment you had.<\/p>\n<p>Common errors made my rating doctors include incorrect apportionment (subtracting from the total impairment for possible prior injuries), not evaluating all accepted body parts, and not thoroughly examining the medical records.<\/p>\n<p>The higher the impairment percentage the higher the PPD award \/ workers\u2019 compensation settlement.<\/p>\n<h2><strong><a href=\"tel:(702)699-5336\">Give me a call<\/a> or <a href=\"https:\/\/jhwlawoffice.com\/contact.php\">send an email for a free consultation<\/a> if you have questions or concerns about your Nevada workers&#8217; compensation claim or your PPD award \/ workers&#8217; compensation settlement.<\/strong><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>Frequently I am asked by potential clients and current clients whether there is a settlement at the end of their workers\u2019 compensation case or how much their case is worth. This question is often hard or impossible to answer. Sometimes, I can estimate whether I think you are likely to have a permanent partial disability &hellip; <a href=\"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/2020\/08\/articles\/benefits\/permanent-partial-disability-awards\/3-things-to-check-to-determine-if-your-ppd-award-workers-compensation-settlement-is-correct\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">3 Things to Check to Determine If Your PPD Award \/ Workers\u2019 Compensation Settlement Is Correct.<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[75],"tags":[563,595,583,571,526,578,530,344,564,345,544,535,346,573,387,388,389,555,527,547,528,500,565,574,561,501,502,504,562,549,602,592,560,507,508,604],"class_list":["post-1828","post","type-post","status-publish","format-standard","hentry","category-permanent-partial-disability-awards","tag-benefits-of-having-a-workers-compensation-attorney","tag-henderson-workers-comp","tag-hurt-at-work","tag-injured-workers","tag-las-vegas-workers-comp","tag-lawyer-for-work-injuries","tag-nevada-injured-workers","tag-nevada-workers","tag-nevada-workers-comp","tag-nevada-workers-compensation","tag-nevada-workers-compensation-law","tag-nevada-workers-compensation-laws","tag-nevada-workers-compensation-claim","tag-nv-workers-comp","tag-ppd","tag-ppd-award","tag-ppd-awards","tag-ppd-evaluations","tag-ppd-exam","tag-ppd-lump-sum-awards","tag-rating-exam-workers-compensation","tag-work","tag-work-comp","tag-work-comp-attorney-las-vegas","tag-work-comp-lawyer","tag-work-injury","tag-work-release","tag-worker","tag-workers-comp","tag-workers-comp-attorneys","tag-workers-comp-benefits","tag-workers-comp-settlement","tag-workers-compensation-attorney","tag-workers-compensation","tag-workers-compensation-claim","tag-workmans-compensation"],"acf":[],"aioseo_notices":[],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/posts\/1828","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/comments?post=1828"}],"version-history":[{"count":3,"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/posts\/1828\/revisions"}],"predecessor-version":[{"id":1832,"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/posts\/1828\/revisions\/1832"}],"wp:attachment":[{"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/media?parent=1828"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/categories?post=1828"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jhwlawoffice.com\/nevada-workers-comp-law-blog\/wp-json\/wp\/v2\/tags?post=1828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}