Navigating Permanent Disability Benefits and Workplace Injury Settlements in Mississippi
If you've been injured on the job in Mississippi, you may be entitled to permanent disability benefits and a fair settlement for your workplace injury. But the workers' compensation system isn’t always straightforward—insurance companies will try to minimize what they pay you. At TNT LAW, we fight for injured workers to ensure they receive the benefits they are owed.
Understanding Permanent Disability Benefits in Mississippi
When a workplace injury leaves you permanently impaired, you may qualify for permanent partial disability (PPD) or permanent total disability (PTD) benefits. In order to qualify, your doctor must explicitly state that you have a restriction that affects your ability to earn a living. This could mean that you can still work in a limited capacity or that you are unable to work at all.
Here’s what you need to know about Mississippi's permanent disability benefits:
Permanent Partial Disability (PPD): If your injury allows you to work in some capacity but not at the same level as before, you may receive compensation based on your loss of earning capacity.
Permanent Total Disability (PTD): If you are completely unable to work, you may qualify for lifetime benefits.
Impairment Ratings: Your doctor will assess your injury and assign an impairment rating, which impacts how much compensation you receive.
Wage Benefits: Typically, permanent disability benefits are two-thirds of your average weekly wage, subject to Mississippi’s legal limits.
Common Insurance Obstacles in Mississippi Workers’ Compensation Cases
Workers’ compensation insurance companies have one goal: to pay you as little as possible. Unfortunately, injured workers often face several obstacles when trying to get the benefits they deserve, including:
Delays in Payments: Insurance companies may drag their feet on approving your claim or delay payments to frustrate you into accepting less.
Doctor Disputes: The insurance company may challenge your doctor’s diagnosis and push for a second opinion from their own doctor, who may downplay your injuries.
Lowball Settlement Offers: Many workers receive an initial settlement offer that doesn’t fully cover their lost wages, medical bills, and long-term needs. Don’t settle for less than you deserve!
Workplace Injury Settlements: What You Should Know
If you've been injured on the job in Mississippi, you may have the option to settle your workers’ compensation claim. However, before agreeing to any settlement, consider:
The Severity of Your Injury: If your injury is permanent, you’ll want to ensure the settlement accounts for long-term medical costs, lost wages, and future care.
Your Ability to Work: If you can’t return to work, your settlement should reflect the total loss of income you’ll experience.
Medical Coverage: Some settlements include a lump sum for medical care, while others leave medical benefits open. Know your options!
Once you accept a settlement, you typically can’t go back and ask for more later—so it’s crucial to get it right the first time.
Why You Shouldn’t Accept the First Settlement Offer
Insurance companies count on injured workers feeling desperate and accepting lowball offers. But at TNT LAW, we know that a fast settlement isn’t always a fair settlement. If you’ve been injured on the job, don’t settle for less than you deserve. Light the fuse and blow that lowball offer up today!
How TNT LAW Can Help You
Led by managing attorney Seth Thompson, TNT LAW is dedicated to helping injured workers navigate Mississippi’s workers’ compensation system and fight for maximum benefits. When you work with us, we:
Ensure your injury is properly documented so you qualify for the highest possible benefits
Fight back against unfair insurance company tactics
Negotiate aggressively to secure a fair settlement
Take your case to court if necessary to get you the compensation you deserve
Don’t Let the Insurance Company Win—Call TNT LAW Today
Navigating permanent disability benefits and workplace injury settlements in Mississippi can be overwhelming, especially when you’re trying to recover. You don’t have to go through it alone. At TNT LAW, we’re ready to fight for you. Contact us today for a free consultation.
