If you suffered a permanent disability due to an injury, it is important to understand your legal entitlements and the options available for seeking compensation. This may include benefits such as medical coverage, compensation for lost wages, and provisions for long-term care. To learn more about these options and the steps to take after such an injury, contact an experienced Missouri personal injury attorney at Steelman Gaunt Crowley by calling (573) 341-8336 today.
What Is a Permanent Disability?
According to the Missouri Department of Revenue, the term “permanently disabled” describes individuals with a physical or mental impairment that substantially limits their ability to engage in one or more major life activities. This impairment must be permanent in nature and should be determined by a qualified healthcare professional such as a physician, physical therapist, occupational therapist, or authorized licensed healthcare practitioner.
Injuries that Can Result in Permanent Disabilities
There are certain injuries that tend to result in permanent disabilities more frequently than others. These injuries are often those that involve complex body systems or substantial trauma, such as:
- Severe burns
- Spinal cord trauma
- Traumatic brain injuries
- Amputations
- Hearing or vision loss
- Crushing injuries
- Serious breaks or fractures
- Psychological disorders
These conditions can impact a person’s health, reduce their quality of life, and end up altering the dynamics of a personal injury claim. However, working with a skilled Missouri personal injury attorney may be able to help create a solid legal strategy that can highlight the extent of the disability’s impact and assist individuals in pursuing the compensation they may be entitled to.
Two Main Types of Permanent Disability
There are two main types of permanent disability: full and partial. Full disability occurs when a person is completely disabled by an accident or injury, while partial disability occurs when a person has permanently lost the use of only a part of their body, such as a hand, arm, or leg. In the case of partial disability, the person is only partially disabled despite the permanence of the injury.
Steps To Take When An Injury Leaves You Permanently Disabled
If an injury leads to permanent disability, there are actions that can help individuals fight for the financial damages and justice they deserve. These steps include the following:
Verify the Extent of the Injuries Involved
Individuals should have their injuries thoroughly assessed by a qualified medical professional. This will help determine the severity of a disability and identify any limitations it may have on a person’s day-to-day activities.
Document Everything
In the aftermath of an accident, it is crucial to meticulously document all pertinent details. This includes saving all medical bills, records, and any other documentation related to the injuries. Individuals should also keep track of their doctor visits and consistently request and retain documentation after each appointment.
Gather Evidence
When building a legal case following a permanent disability, individuals should gather strong evidence to support their claim. This may include taking photos of the accident scene, obtaining detailed statements from witnesses, and seeking expert opinions from medical professionals. Remember, the strength of the evidence can directly impact the strength of the case.
Notify the Employer
According to the Department of Labor and Industrial Relations, workers’ compensation is a type of insurance designed to support employees who sustain injuries or develop illnesses due to their work. Consequently, if individuals are facing permanent disability due to a workplace injury, they might be eligible for workers’ compensation benefits. These benefits can encompass coverage for medical expenses, compensation for lost wages, and ongoing disability payments.
Review the Damages
Do not immediately accept the first settlement offered by an insurance company. Rather, consider speaking to an experienced Missouri personal injury attorney about your options. At Steelman Gaunt Crowley, our skilled legal professionals may be able to help you determine the extent of your permanent disability damages, the legal options you have, and negotiate for a fair amount that considers all relevant expenses.
Verify If You Can Pursue Social Security Disability Insurance Benefits
In Missouri, individuals who have sustained a permanent disability may qualify for Social Security Disability Insurance (SSDI) benefits if the disability significantly hinders their ability to engage in substantial gainful activity. This program is designed to provide financial assistance to those who are unable to work due to a long-term disability.
Other Factors To Consider If an Injury Leaves You Permanently Disabled
In addition to the steps mentioned above, individuals should also consider and monitor the following factors:
Time Limitations
Individuals who suffered an injury that left them permanently disabled should keep track of the deadlines for submitting claims to their employer or insurance company and applying for government disability benefits. Failing to stay aware of these deadlines can result in them missing out on any potential benefits or compensation they may be entitled to.
Negotiations with the Insurance Company
If an individual has to deal with the insurance company regarding their disability benefits, they must be prepared to negotiate with these companies. Otherwise, they may miss out on a fair settlement that accurately reflects their needs and circumstances.
Consider Long-Term Care Planning
If the disability necessitates substantial ongoing support, it is important to carefully consider and plan for long-term care options. Examples of long-term care options include arranging for home health services or exploring assisted living facilities.
Get Mental Health Support
Get in touch with mental health professionals who can provide assistance in managing the emotional challenges that may arise as a result of a permanent disability.
Seek Legal Representation
Consider seeking advice from a skilled and dedicated personal injury attorney who can help navigate the complexities of the legal process following an injury resulting in permanent disability. These legal professionals may also be able to provide invaluable assistance in reviewing an individual’s legal options, identifying potential financial remedies, and fiercely advocating for the rightful justice of their clients.
Contact Steelman Gaunt Crowley Today To Learn More About Your Legal Rights After an Injury
When an accident results from another person’s negligence or recklessness, it can lead to catastrophic consequences, which can change someone’s life forever. If an injury has left you permanently disabled and you want to explore your legal options for financial and legal justice, contact the compassionate and dedicated Missouri personal injury attorneys at Steelman Gaunt Crowley at (573) 341-8336 to schedule a free consultation. Let our skilled legal team review your case, determine the options you have, and help you fight for the compensation you may be entitled to under the law.
