In Chapter 3 of our Workers’ Comp 101 series, I cover disability as it relates to employment. I describe what it can mean if you’re injured on the job and you get a disability rating.

httpv://www.youtube.com/watch?v=m-dzHvbhSyI&feature=share&list=UU80gxLYT5sVQda2cAlCto3w

Video Transcript

Hello, I’m Darrell Castle, an attorney licensed to practice law in the state of Tennessee. On this video I’m talking about disability as it relates to employment, to your job in other words. You’re injured on the job and you get a disability rating, that can be two different things.

It can be temporary or it can be permanent. It can be total or it can be partial. Now some examples of that would be, lets say that you injure your hand and you are off work for a month because of this hand injury, the month off work is total. You are unable to work for a month so you are totally disabled for work purposes for that month. That is a temporary total disability, because it’s only temporary, only lasts a month.

The injury to your hand, lets say your doctor gives you a disability rating of 6%. That 6% disability rating, in theory, is going to last the rest of your life. So it is permanent. It is a partial permanence. Partial because it’s only a certain body part, like your hand or your foot or whatever and it’s partial because it’s a percentage of disability, like 6%, 10% or whatever the doctor gives you. And that lasts theoretically the rest of your life. So it’s partial and it’s permanent.

Those are the two differences. Now this disability I’m talking about is not social security disability. It has nothing to do with that. This is something that really is designed to pay you for the time you lose from work. It is an insurance policy your employer is required to carry because you get insurance if you’re injured and unable to work, it replaces the income that you lose.

The 6% rating to your hand that I gave as an example, in theory, you are 6% less able to earn a living with that hand than you were before. So you’re entitled to a lump sum benefit for that disability.

Sometimes you can have an injury to your back for example and that would give you a rating to your body as a whole, you are as a whole person, a certain percent less able to earn a living than you were before.

Of course that relates to the type work you do. If you do manual labor, you need your back more than you do if you just sit at a desk.

These things all sound very complicated, but do you need a lawyer to handle them for you? Well, that’s a subject for the last video in this series.