{"id":142,"date":"2019-01-10T21:37:00","date_gmt":"2019-01-10T21:37:00","guid":{"rendered":"https:\/\/hart.lunarbaby.net\/?p=142"},"modified":"2019-03-06T19:24:10","modified_gmt":"2019-03-06T19:24:10","slug":"how-insurance-companies-try-to-rip-off-injured-workers-a-series-volume-5-impairment-ratings","status":"publish","type":"post","link":"https:\/\/hartlawfirmllp.com\/?p=142","title":{"rendered":"How Insurance Companies Try To Rip Off Injured Workers: A Series \u2013 Volume 5: Impairment Ratings"},"content":{"rendered":"<p>[et_pb_section bb_built=&#8221;1&#8243;][et_pb_row][et_pb_column type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;3.19.3&#8243;]<\/p>\n<p>In Arkansas, some workers\u2019 compensation injuries are considered, by law, to be \u201cpermanent,\u201d and some are not. \u00a0If an injured worker has a permanent injury, he or she may be entitled to receive a permanent impairment rating that is worth money, in the form of permanent disability benefits. \u00a0Impairment ratings are usually determined by a doctor (they can also be calculated by a Judge) who uses a book to do so that is filled with complicated tables, graphs, numbers, and charts.<\/p>\n<p>Sometimes, doctors simply get the impairment rating wrong. \u00a0Often, insurance companies will try to get out of paying an impairment rating, either in whole or in part, by alleging that the rating is invalid under Arkansas law or failing to request permanent impairment all together. \u00a0Many times, an insurance adjuster will write an injured worker who has a permanent impairment and explain the rating incorrectly; misstate the law; miscalculate the benefits owed; and\/or advise that the carrier is only paying some or even none of the impairment rating. \u00a0One reason insurance companies do this is because they know most injured folks have no idea about how impairment ratings work, and no idea how to correctly value them. \u00a0Insurance adjusters also know that if there\u2019s no impairment rating, the injured worker is going to have a very difficult time asking a Judge to award benefits for a loss of earning capacity; permanent total disability; and\/or vocational retraining. \u00a0These benefits can be\u00a0<u>very<\/u>\u00a0valuable.<\/p>\n<p>If you already have a permanent impairment rating; are in the process of getting one; think you might have one; or think you may deserve one, we\u2019d be glad to visit with you about ratings and your rights, any time.<\/p>\n<p>By: \u00a0 \u00a0Neal L. Hart, Attorney at Law<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p><div class=\"et_pb_row et_pb_row_0 et_pb_row_empty\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div> In Arkansas, some workers\u2019 compensation injuries are considered, by law, to be \u201cpermanent,\u201d and some are not. \u00a0If an injured worker has a permanent injury, he or she may be entitled to receive a permanent impairment rating that is worth money, in the form of permanent disability benefits. \u00a0Impairment ratings are usually determined by [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":143,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[20],"tags":[],"class_list":["post-142","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-series-rip-off"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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