Experienced Attorneys Serving the Injured Since 1962

What Is a Total Disability?

It’s important to remember that every work injury is different. Some may require a few weeks or months to heal, while others can have devastating and lifelong effects.

A total disability is one that prevents an individual from performing any “meaningful” work again. On the other hand, a partial disability may mean that an individual can return to work, but they can’t perform the same job that they did before the workplace accident.

If you sustained a total disability, there are certain disability benefits available to ensure you have the financial means necessary to move forward with your life.

Lifetime Income Benefits (LIBs)

The reality is that some work-related injuries are so bad that you may never be able to return to work again. In these cases, you may receive Lifetime Income Benefits (LIBs) for your entire lifetime.

Eligibility

You may be eligible to receive these benefits if you suffered one of the following:

  • total and permanent loss of sight in both eyes;

  • loss of both feet at or above the ankle;

  • loss of both hands at or above the wrist;

  • loss of one foot at or above the ankle, and loss of one hand, at or above the wrist;

  • an injury to the spine that results in permanent and complete paralysis of both arms, both legs, or one arm and one leg;

  • a physically traumatic injury to the brain resulting in incurable insanity or imbecility;

  • third-degree burns that cover at least 40 percent of the body and require grafting, or

  • third-degree burns covering the majority of either both hands or one hand and the face.

Calculations

Your weekly LIB check will be 75% of your Average Weekly Wage (AAW). In addition, you may be eligible to receive a 3% increase each year. While there is a maximum for the first year, the maximum does not apply as the 3% wage increases annually.

Get Legal Advocates on Your Side

If you or a loved one is injured in a workplace accident, our firm is here to help you obtain the full compensation you need to pay for your:

  • Medical bills and future medical expenses

  • Lost wages

  • Lost earning potential

Since 1962, The Edwards Law Firm has been providing injured workers with strategic and personalized legal representation. We understand that the workers’ comp claims process can seem challenging. Our workers’ compensation attorneys will work hard to protect your rights and keep you informed through the entire legal process.


Contact our firm at (361) 541-6333 to schedule your free case review.

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