Watch out for these insurance company strategies and low-ball workers’ comp foot injury settlements.
A frequently asked question involves workers’ comp foot injury settlements. Michigan law allows disabled employees to trade workers’ comp benefits for a lump sum cash payment. This money is tax free and can be used for anything including starting a business, finding a new job, or retirement.
Many of our clients use settlement money to get medical treatment and vocational rehabilitation on their own terms. It is an attractive option for disabled employees who want to move on with their lives. We tell our clients to come up with a future plan, so they are ready to move forward when the time is right.
Some of the more difficult cases involve foot/ankle injuries. If a disabled employee has always done physical work, the transition to a sit-down job can be difficult. Even activities of daily living can be hard when a person cannot stand or walk for long periods.
The amount paid for workers’ comp foot injury settlements depends upon several important factors. Insurance companies look at future medical and wage loss to calculate how much they need to pay out. Watch out for insurance companies who play games with workers’ comp benefits and make low-ball settlement offers.
The independent medical examination (IME) will be used against you.
Insurance companies often use the IME to stop paying medical benefits. These doctors are not independent and make a living testifying against employees hurt on-the-job. It is common for their report to say no additional medical treatment is needed or a condition is no longer work-related. We recommend hiring a lawyer whenever scheduled for an IME to protect your legal rights.
Watch out for post-injury wage earning capacity (PIWEC) assessments.
Insurance companies also use PIWEC to say an injured employee is only partially disabled and reduce their weekly checks. Wage loss benefits are supposed to be 80% of their after-tax average weekly wage. The amount of weekly checks directly impacts workers’ comp foot injury settlements. Make sure to challenge any unfair vocational assessment so you can negotiate from a position of strength.
What about light duty job offers?
Employers frequently bring people back to work under light duty. The insurance company does not have to pay weekly checks if this occurs. Watch out for jobs that are more strenuous than allowed by your doctor or simply offered for purposes of harassment. Employers want people to quit their jobs, so they don’t have to pay additional workers’ comp benefits. It is a trap that catches many disabled employees who forfeit their entitlement to lost wages.
How to increase workers’ comp foot injury settlements?
Workers’ comp foot injury settlements are going to depend upon future medical needs and how long an employee will remain disabled from working. An experienced lawyer can maximize the value of worker’ comp foot injury settlements by developing medical and vocational evidence.
We recommend getting a free telephone consultation before accepting any insurance company offer so money is not left on the table.
Michigan Workers Comp Lawyers never charges a fee to evaluate a potential case. Our law firm has represented injured and disabled workers exclusively for more than 35 years. Call (844) 316-8033 for a free consultation today.