Introduction
Workplace neck injuries can cause unbearable agony. If you have an injury to your neck that restricts your range of motion and generates pain, you probably won’t be able to work and will have to pay more for the therapy and treatment. Employees injured at work in California are entitled to benefits for missed income and medical costs under the state’s workers’ compensation legislation.
Many injured workers understandably ask, “How much compensation will I get for a broken neck?” According to the most recent statistics, the average payout for workers who suffered neck injuries at work was almost $61,000.
Injured employees may be eligible to pursue a lawsuit for personal injury or a third-party compensation against a person or organization other than their respective employer, in addition to receiving workers’ compensation benefits.
This is valid in situations where a third party, like a subcontractor, contractor, property owner’s carelessness, or the producer of a faulty product, caused the neck injury. Your case will be thoroughly examined by a skilled California work injury attorney, who will also assist you in obtaining the best amount possible for the losses.
What You Must Understand About Settlements for Work Accident Neck Injuries
Although the OSHA (Occupational Safety & Health Administration) estimates that the average payment for a neck injury is around $21,000, a workers’ compensation payout for a neck injury might be significantly more. Underestimating the expense of managing neck problems is a common error made by many people. Insurance companies understand the importance of a case involving a neck injury sustained at work. But frequently, they want to resolve these disputes quickly and, more crucially for them, cheaply.
The extent of what has occurred and what may be needed – therapies, treatments, or even surgeries in the future to help the individual completely recover – may be difficult for those with injuries and their families to ever fully understand. You should consult an experienced California injury (spinal cord) lawyer before making a settlement. The insurance provider will solely care about maintaining their profit margin. A skilled injury attorney will act in your greatest interests and defend your entitlement to just recompense.
Many employees wonder, “How much compensation will I get for a broken neck?” The answer depends on several legal & medical factors.
Does Workers’ Compensation Pay?
It is essential to know the workers’ compensation rate in California if you are hurt at work so that you may make appropriate plans for the future. Understanding this procedure is also vital so that you may feel secure knowing that you are receiving just compensation for your losses and injuries. Medical costs, part of lost income, payments for death, and compensation for both temporary & permanent disability are usually covered under workers’ compensation.
You have a right to two-thirds of the amount you earn before-tax gross wage in California if you are hurt at work. State law establishes the minimum & maximum amounts that can be used.
Some businesses offer “Leave for Disability with Salary” even though California law does not mandate it. This basically covers the wage gap so that, in the event that you are hurt at work, you get paid in full rather than just a part of it.
It could be challenging for the typical worker to stay on top of these rates as they are always changing. Contacting a skilled California injury attorney who can explain each of the choices is the best course of action if you have sustained a neck injury or any other kind of incapacitating damage at work.
Cervical Spine Problems and Neck Injuries
To enable flexibility for a variety of activities, the cervical spine bears the load of the head. In actuality, the first pair of vertebrae (C1 & C2), which attach directly to the skull, enable head movement. From neck stiffness and restricted range of movement to quadriplegia or immobility of all 4 limbs, cervical spine injuries can result in a variety of symptoms.
In the long run, the cervical vertebrae are also prone to wear. Degenerative disc disease and spinal canal constriction may develop in spines as people age, causing stiffness, chronic pain, and difficulty moving. When that happens, workers’ comp insurers may try to use pre-existing medical conditions to deny or reduce benefits, even for serious cervical spine injuries suffered at work.
You should report a neck injury to your supervisor/employer immediately if you get injured at work. This is irrespective of how small you think the injury is. The subsequent step is to get medical help. Inform your doctor about what happened, your injury, & how much pain you are in. Should you decide to subsequently seek a work injury claim, having the documentation of your doctor’s visits & reports might be very helpful for the compensation of the herniated disc workplace injury.
Common Workplace Neck Injuries
Accidents at work can cause a variety of neck injuries. These are some of the most typical kinds of neck injuries.
- Whiplash: It is an injury caused by an irregular motion. It can harm the neck’s soft tissue, ligaments, or muscles. It’s also a typical injury sustained in rear-end auto accidents.
- Neck Strain: This injury happens when the neck’s muscle fibers are overextended & tear. It will make it difficult to rotate.
- Neck Sprain: A neck sprain happens when delicate muscle fibers & ligaments are overstretched by trauma. There may not be any overt symptoms.
- Herniated Disc: This injury results in numbness/pain in the nerves. It is caused when the delicate disks separating the vertebrae burst through the bony shell.
- Neck Pinched Nerve: This injury happens when a nerve of the neck is squeezed/inflamed. Your hands and arms may hurt as a consequence of this.
- Cervical Spondylosis: It is a type of neck arthritis that causes excruciating pain in the cervical spine’s joints and discs as the patient ages.
- Spinal Cord Injury: The most serious injury on the list may be a spinal cord injury. Anywhere below the site of the damage, function, strength, and sensation may be permanently lost as a result of a blow or cut to the spine.
As previously mentioned, whiplash is probably the most prevalent type of neck injury. It frequently presents with a wide range of symptoms. Headaches, lightheadedness, pinched nerves, stiff neck, ligament damage, lack of focus, burning feeling, irritability, & difficulty sleeping.
Whiplash has the power to drastically alter your standard of living. In the event that someone’s carelessness caused you to sustain whiplash, our neck injury lawyers can assist you in obtaining monetary damages.
Actions to Take Right Away Following a Neck Injury at Work
The workers’ compensation claims procedure might be complicated for workers who have just sustained a neck injury at work. But if you want to maximize your chances of getting benefits, you have to make sure that every part of your claim is filed accurately and meets all of Pennsylvania’s workers’ compensation filing requirements.
- Notify your employer about the injury right away
To guarantee that your payments are retrospective from the day of injury, reports should ideally be made immediately after the injury. An employee who sustains an injury might still be eligible for benefits as of the reporting date if the accident fails to be reported immediately, but there exists a 30-day notification deadline.
- Get medical help right away and inform your physician that the harm is due to your job
Documenting your injury beyond your first report to the company is made easier when you let your doctor know that the neck problem is related to your job.
According to the law, you must seek medical attention immediately after giving your employer notice. You may occasionally be asked to select a physician from the list of medical professionals who have been approved by your company.
- Submit your claim for workers’ compensation
Your claim filing procedure starts when your employer files their Initial Report of Injury with the state. There is a one-year period from the day of injury to make a claim and retain eligibility; claims are rarely brought this late.
During this process, speaking with a workers’ compensation attorney can help you get the most out of your benefits and make sure your claim is submitted with the necessary due diligence.
Difference between Filing a Lawsuit and Making a Claim
The majority of employees in California who sustain injuries due to their place of employment have 2 choices. The initial step is to submit a workers’ compensation insurance claim. This entails completing forms and sending the insurance provider medical records.
Benefits such as reimbursement for prescription drug costs and wage assistance at around two-thirds of your previous income level may be granted to you if you are accepted. This kind of action does not result in punitive penalties for your employer or compensation for your pain and suffering.
Employees must fulfill some requirements to be considered for workers’ compensation benefits.
- The person has to be an employee of the company and not a freelancer/subcontractor.
- The employer is required to have current workers’ compensation insurance.
- The aforementioned neck injuries had to have occurred at work or as a consequence of work-related activity.
You can submit a workers’ compensation claim if you fulfill those conditions. Even if they don’t fit any of those three criteria, they can nonetheless pursue harm compensation by bringing a lawsuit. If you win, this can earn you more money, but it’s usually a more drawn-out and complicated process. In contrast to workers’ compensation claims, when you file your lawsuit, you can also ask for money for suffering and pain and punitive damages.
Factors affecting the amount of your claim
The most common question remains: “How much compensation will I get for a broken neck?” Your neck injury claim’s settlement amount may vary depending on several factors. For instance, if you currently possess a Workers’ Compensation Award Document, it mandates that the company and its insurance cover your neck injury-related medical costs. When negotiating a settlement, this gives you an edge.
Your settlement is a calculated figure, not an average. To determine a figure, an insurance adjuster (and your lawyer) may consider elements like the following.
- Medical Expenses (Future and Paid): The basis for your compensation is the total amount of your medical expenses, both past and future. It covers everything that the workers’ compensation insurer has previously paid for, as well as an estimate of all the treatments you will require in the future. Your company is obligated to pay for any medical care that is reasonably necessary to treat or lessen the impact of your job injury, according to California Labor Code Section 4600.
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- Visits to Emergency Rooms
- Imaging for diagnosis (CT scans, MRIs)
- Fees for Surgeons and Specialists
- Costs of Surgery and Hospital Stays
- Chiropractic care and physical therapy
- Pain control (injections, for example)
- Upcoming Drugs
- The PD (Permanent Disability) Rating: This comprises a significant & intricate factor. You are given a “complete person impairment” percentage by your physician once you have achieved MMI (Maximum Medical Improvement). Following California Labor Code Section 4660, this proportion is entered into a complicated formula that also takes into account your age, profession, & injury date to calculate the amount of your PD benefits. One major area in which a workplace injury lawyer is extremely valuable is in this regard.
- The requirement for Neck Surgery: If a herniated C5 & C6 disc necessitates a two-level fusion, the workers’ compensation award will be considerably more than if physical treatment is sufficient. The procedure itself significantly raises the permanent disability rating, validates the extent of the injury, and significantly raises medical expenses. The insurance provider is shown that conservative therapy alternatives were exhausted through surgical operations.
- Temporary Disability (TD) Lost Wages: You should be compensated for lost wages while you are recuperating from your illness. This is typically two-thirds of the gross weekly pay in California, up to a limit specified by the state (California Labor Code). Until you go back to work or achieve Maximum Medical Improvement, these payments will continue.
- Reduced Future Earning Potential: What if you are unable to go back to work at your previous position? You can be eligible for compensation for this setback in productivity if the neck injury keeps you from doing your construction job. This computation takes into account the gap between your pre-injury income and what you may earn given your present physical restrictions.
- Your Age & Occupation: The settlement value for a thirty-year-old worker with an injury to their neck will be higher than that of a sixty-year-old executive with the same accident, since the laborer’s job requires more physical exertion and the damage affects them for a longer period of time. These disparities in profession are expressly taken into consideration in the formula for permanent disability. Because physical jobs inherently put higher strain on the spine and neck, neck injuries can have a more detrimental impact.
- Settlement Type: Stipulated award settlements are those in which the insurance provider agrees to cover all future medical expenses associated with your permanent disability in exchange for payments to you. Without incurring extra out-of-pocket expenses, this arrangement offers continuous access to treatment.
C&R, or compromise & release, is the second option. In accordance with California Labor Code Section 5001, you get a one-time payout that “buys” every aspect of your compensation, including the entitlement to subsequent medical care. The insurance company’s responsibility to pay for future care is terminated with a C&R, which is typically a substantially bigger sum.
- Pre-existing illnesses: Insurance companies frequently attribute a recent injury to degeneration or pre-existing arthritis. The “take your workers as you find them” theory in California holds your employer accountable for any deterioration of a pre-existing medical condition. A lawyer is necessary for this legal battle, so don’t allow an adjuster to reject your claim.
- The Power of Your Legal Counsel: The insurance claims adjuster, who’s tasked with reducing payouts, has the final say over an unrepresented claimant. A skilled workers’ compensation lawyer in California is able to construct medical proof, bargain with adjusters, & argue your case to get the most out of it. Having knowledgeable legal counsel can save thousands of dollars compared to managing a claim on your own.
Settlements for Workers’ Compensation Injuries: Categories
In California, there are two categories of workers’ compensation settlements:
1. Requirements accompanying the Award Request
When a claim for workers’ compensation is resolved via a stipulation, an agreement is reached regarding the duration of the injured worker’s permanent or temporary incapacity benefits as well as the payment of future care, provided that the care is deemed “reasonable and necessary.” The fact that a stated workers’ compensation payment leaves your healthcare options open is an essential component.
2. Compromise & Release
In California, this kind of workers’ compensation payment is sometimes referred to as a “complete settlement.” This method of settling a workers’ compensation claim results in an all-encompassing award for the worker, covering both temporary & permanent disability benefits.
Additionally, workers receive a lump sum payment to cover future medical expenses, effectively absolving the insurance provider of any responsibility. This implies that they will cease to be responsible for any subsequent medical treatment—even if you require it—related to your employment injury.
It is expected that the full, lump-sum payment will cover all medical costs associated with the work injury. Because the workers’ compensation deals can be complex, it is very important that you comprehend the terms of the agreement. In that sense, you may want to speak with a credible work injury lawyer.
Typical Neck Injury Workers’ Compensation Settlement
The degree of harm and the amount of necessary medical attention & complexity of treatment are all factors that determine the amount of compensation received in the case of a neck injury at work. Neck injury at work claims usually settle around $ 61k, says the latest industry data. Actual payouts differ substantially, case by case.
Less serious injuries result in lower settlements. Critical circumstances can necessitate surgery. This can result in compensation surpassing $100,000. This includes disc injury or compression of the nerves.
The typical differences in settlement values by injury type are described in the sections that follow.
1. Settlement of Neck Injury without Surgery
Non-surgical neck injury claims typically focus on damage to soft tissues that can be addressed with non-invasive techniques. These are physical therapy, massage therapy, medications, & therapeutic injections.
Potential compensation sums range between $3k & $60k.
Duration of treatment, wages lost during convalescence, permanent limitations on earning capacity, & whether symptoms ever fully abate or become chronic. These factors can all affect the final award.
Settlement values may increase if employees continue to feel uncomfortable or if their ability to execute their jobs is permanently impacted. This is even while these injuries might not seem as serious.
Insurance companies often undervalue claims when a worker asks, “How much compensation will I get for a broken neck?”
2. Settlement of Neck Injuries with Operations
Due to their seriousness and long-term impact on an employee’s well-being and future earning capacity, neck injuries requiring surgery usually result in much bigger settlements.
Potential compensation sums range between $100k & $300k.
Settlements for surgical cases rise for a number of reasons, including high medical costs, long recovery times, increased risk of permanent disability, and likely need for continued care.
Workers who have neck surgery may face long-term limitations that are heavily considered in settlement negotiations.
Calculator for Neck Injury Settlement
Although preliminary statistics are provided by online tools for estimating neck injury settlements, these should only be regarded as approximations. Your settlement may differ depending on a variety of circumstances, as each case is distinct.
Some significant factors influencing settlement amounts could be:
- The kind and severity of the neck injury
- The need for surgery
- Total medical costs and expected follow-up care
- Lost income as a result of being unable to work
- Persistent physical limitations or impediments at work
Speaking with an attorney is the best way to determine “How much compensation will I get for a broken neck?”
Workers’ Compensation Rights against Coercion & Harassment
You possess the right, as an injured worker, to turn down specific offers or demands. This law protects California employees who desire to bring a claim for a workplace injury from bullying and harassment. You have to know your rights by law and not let your employer take advantage of you.
You are entitled to file a claim for workers’ compensation (California) without fear of workplace harassment or retaliation. Speak with a local workers’ compensation benefits attorney right away if your employer is making it hard for you to get your medical care or rights under the law after getting hurt at work.
Conclusion
Compensation for on-the-job injuries must be obtained through California’s workers’ compensation system. Medical treatment expenses and a portion of your lost income while you are unable to work due to an injury are usually covered by reimbursements.
Purchasing workers’ compensation coverage for the staff is mandatory for many firms. The purpose of California’s Workers’ Compensation program is to cover medical expenses, treatments, and a percentage of lost wages for injured workers. Regardless of who is at fault, employees in California have the right to benefits since the workers’ compensation system is no-fault.
Employees who start the workers’ compensation process are not allowed to sue their employer. However, if the claim has been rejected, you might seek alternatives to just compensation or file an appeal with the assistance of an employment law lawyer.