Whole person impairment compensation calculator
When it comes to workers compensation, knowledge is certainly power – the more you know, the more likely you are to receive all your entitlements, which is why I want to run through the whole person impairment compensation calculator – to give you an understanding about whether you’re entitled to a lump sum payout and how much you could receive.
Whether you’re a tradie, truck driver or even an office worker, serious injury can strike at any time. Each year approximately 100,000 Australian workers are seriously injured in the workplace, many of which suffer permanent damage that not only dramatically impacts their life but also the lives of their loved ones. In this situation a lump sum payout for permanent impairment can be vital and I’m going to run through what you need to know.
Firstly, let’s take a look at what permanent impairment is:
Permanent impairment refers to permanent damage, loss, or loss of use of any part of your body, or any part of your bodily system or function. Injuries that lead to permanent impairment can be physical or psychological.
For example amputation, serious spinal injuries, injuries that impact your sight such as your vision, smell and taste and post traumatic stress disorder just to name a few.
What is a permanent impairment benefit?
Essentially it’s a lump sum payment to compensate you for the overall effect your work injury has had on your life. This lump sum payout is in addition to any weekly payments, medical and related expenses that you may have received.
For most people in NSW, in order to qualify for a permanent impairment lump sum, you have to be assessed as having at least 11% whole person impairment for a physical injury and at least 15% for a primary psychological injury.
You might ask, what is whole person impairment and how it’s calculated?
Whole person impairment is simply a scale that’s used to measure the permanent damage caused by an injury. It’s calculated by a doctor who assesses your injuries according to the referral guides and guidelines.
Generally speaking, the doctor can’t combine both physical and psychological injuries to determine your level of whole person impairment – your compensation is usually based on your primary injury only. The doctor also considers your medical history and all available relevant medical information.
WPI compensation calculator
As a general rule the more body parts being assessed the easier it becomes to get a higher whole person impairment percentage. For example if you have a serious back injury that requires surgery then your whole person impairment might be assessed as 12%.
Compare that to someone who has multiple injuries to shoulders, neck and lower back.
Even if they only got 5% for each injury, the total will still be higher than the worker who had the spinal surgery.
That’s why it’s so important to insist on your doctor treating and reporting on every injury you have and not just the most significant one.
It’s important to note that navigating the workers compensation system on your own in pursuit of a lump sum payout is extremely difficult and having an experienced workers compensation specialist on your side will give you the best chance of maximising your compensation. So it’s best to reach out to an experienced specialist, even if it’s just for free advice.
Hopefully this has been helpful to you, but if you’re still unsure about claiming a lump sum for permanent impairment or need help with your claim, call Law Partners and you can have a confidential conversation with one of our workers compensation specialist lawyers today.