Workers Compensation

Understanding Arizona Scheduled Loss Workers’ Compensation Benefits

Most people are familiar with the concept of workers’ compensation. If you’re injured while on the job, you have benefits available to tide you over until you can get back to work.

What happens, however, if you become permanently injured (where you lose a limb or one of your senses) on the job?

In these instances, you can be awarded benefits based on a scheduled loss.

What are scheduled loss benefits?

Simply put, a scheduled loss award is a chart that lists the duration of time a worker experiences an amputation (either full or partial), permanent loss of mobility (full or partial) or other serious injuries while on the job.

Typically, scheduled loss benefits include the following body parts:

  • Arm
  • Eye or vision
  • Feet
  • Finger
  • Hand
  • Hearing
  • Legs
  • Toes

In order to qualify for an award, an injured individual must reach maximum medical improvement (MMI). In other words, after treating your injury, your doctor has determined that you will not see any further improvement for the injury.

After your doctor has determined that you’re MMI, they will assign you a rating for your permanent disability. If this rating matches up with your state’s schedule, that is the scheduled loss award you’ll receive.

How much compensation can you receive for scheduled losses?

The monetary value of your benefit award will vary based on the state you live in and is based on a set percentage of your wages over a number of weeks/months. In Arizona, those who experience a temporary, partial disability will receive 66.67 percent of the difference between the wage a person earned before being injured and what they’re able to earn after the injury.

For permanent partial disability, an injured worker receives 55 percent of their average monthly wage over a scheduled set of time.

Arizona schedule loss specifics (in months)

Below you’ll find the number of months you should expect to receive compensation for the loss of various body parts on the job.

Body part Number of months to receive compensation
Fingers
Thumb 15
Index 9
Middle 7
Ring 5
Pinkie 4
Hand
Dominant 50
Non-dominant 40
Arm
Dominant 60
Non-dominant 50
Toes
Big 7
Others 2.5
Foot 40
Leg 50
Loss of vision
Due to eye enucleation 30
Without eye enucleation 25
Loss of hearing
1 ear 20
Both ears 60
Permanent disfiguration (head & face) Up to 18

 

You can also receive partial loss benefits for incidents where only a partial loss occurs. These figures are based on percentages of the above award amounts.

In Arizona, partial loss generally is awarded 50 percent of the scheduled total loss. Additionally, in cases where an injury results in the permanent loss of use of a body part, compensation is awarded like the body part was lost.

Scheduled loss award around the country

Most states, including Arizona, offer scheduled loss compensation to injured workers who are eligible to receive it. However, there are a few states who don’t. These states include:

  • California
  • Florida
  • Nevada
  • Texas

While there isn’t a set scheduled loss award in these states, injured workers may still receive compensation through an unscheduled award. Additionally, in states where scheduled loss awards are available, injured workers may also be eligible to receive benefits from unscheduled loss awards after they’ve maxed out their scheduled loss award amounts.

The duration of scheduled loss awards can vary by state. Below is an example of various states’ awards for the loss of an arm (in months).

  •  Arizona: 50-60
  • Illinois: 63.25
  • Maryland: 75
  • Michigan: 67.25
  • New York: 78
  • Ohio: 56.25
  • Virginia: 50

Additionally, some states don’t manage their scheduled loss award amounts by months of payments. They use a specific dollar amount instead, in which the injured party will receive a lump sum for their loss. Some states also reduce scheduled award amounts by the sum or number of weeks/months an injured individual has received disability benefits. For this reason, it’s important to check the laws in your state.

Being injured and unable to work can be a very scary and stressful situation for all involved. This is especially true if you have a family and home to support. To ensure you get all of the compensation you deserve if you’re injured on the job, make sure to consult with an experienced workers’ compensation attorney early on in the process.

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