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Does your occupation present risks of catastrophic injuries?

On Behalf of | Feb 8, 2018 | Blog, Firm News

If you work in an environment in which there is a high risk of suffering a catastrophic injury, you might have questions about the disability benefits that you may receive from the Connecticut workers’ compensation program if you suffer such an injury. This is a valid concern because it could affect your job, your social life and even routine tasks may become challenges.

Furthermore, you may require multiple surgeries and ongoing physical therapy, which will lead to not only mounting medical bills but also financial hardship due to the lack of income.

Workers’ compensation coverage for disabilities

If you suffer an injury that causes disability, the nature of the injury and the impact it has on your ability to work will determine the compensation that you will receive. The following are the different categories of disability benefits, and the typical compensation paid — based on your current wage and the level of your impairment, wage loss and loss of earning capacity:

  • Temporary partial disability: An example is an arm or leg fracture that will only disable you to do your normal job, but still leave you able to do office work or something else while you recover. If the wages for this temporary job are lower than your normal wage, you will receive a portion of the shortfall.
  • Temporary total disability: If you suffer a back injury or another injury that disables you completely for a specific period such as an eight-week period of no activity, your compensation for that period will be a percentage of your average weekly wage.
  • Permanent partial disability: This type of injury causes a disability that renders you partially impaired without a chance of recovery. An example is occupational hearing loss, which is permanent but still allows you to continue working. A determining schedule indicates the period for which you will receive a portion of your average weekly wage.
  • Permanent total disability: This is the worst-case scenario and involves an injury that prevents you from ever returning to your regular job. You will have to file a physician’s report with your employer’s insurance provider who will assess the report and determine whether you are eligible for lifetime benefits, or for a specified alternative period.


Your employer’s workers’ compensation insurance provider may offer vocational rehabilitation, which could equip you with new skills that can offer the opportunity to continue working in a different field that accommodates your disability. With the support and guidance of an experienced workers’ compensation attorney, you might be able to secure this service along with the other benefits you deserve.


FindLaw Network

Verdicts & Settlements

36-year-old laborer for landscaping company fractured wrist when fellow employee hit him with truck. Claimant received in excess of $30,000 in workers’ compensation benefits for total disability and medical expenses and settled with automobile insurance company for fellow employee for $95,000.

1989 workers’ compensation claim settled for $125,000. Claimant originally sustained a low back injury when she slipped and fell at local grocery store resulting in low back surgery in 1989. Several years later, claimant exacerbated her low back injury. Claim was reopened and settled with carrier for $125,000 in 2006.

47-year-old deli clerk sustained low back injuries at work for local supermarket. Carrier originally denied claim on the grounds that the injury was pre-existing. After formal workers’ compensation hearing carrier accepted claim and paid all total disability benefits and medical expenses in excess of $100,000. Case then settled for an additional $100,000 after injured person received a permanent disability rating.

34-year-old male roofer sustained multiple injuries to his shoulder, neck, back and hip when he fell from roof during work. Claimant was provided workers’ compensation benefits in excess of $100,000 and settled remaining claims for an additional $55,000.

40-year-old male working for cleaning company sustained neck and low back injuries when he fell on defective staircase while cleaning local museum. Claimant recovered over $95,000 in workers’ compensation benefits and resolved claim against museum for $85,000.

26-year-old laborer sustained fractured foot when a cast iron pipe was dropped on his foot. Employer and workers’ compensation carrier denied claim on basis that injured worker was an independent contractor. After a series of informal and formal workers’ compensation hearings, carrier conceded that claimant was an employee and settled case for $85,000.

24-year-old waitress sustained back injury while working at Outback Steak House. Workers’ compensation insurance company initially denied the claim. After a series of informal hearings, carrier accepted claim paying medical expenses and total disability benefits. In addition to those benefits paid, claim settled for an additional $75,000.

Delivery truck driver sustained right wrist fracture in rear-end motor vehicle accident while in the course of his employment. Claimant recovered in excess of $40,000 in workers’ compensation benefits for medical expenses and total disability benefits. Claimant settled case against at-fault driver for $105,000.

22-year-old male working as stocking clerk at “big box” retailer sustained herniated disc in low back. Workers’ compensation carrier refused to accept the claim. After formal workers’ compensation, hearing commissioner ordered carrier to pay over $35,000 in past total disability benefits and pay for surgery and all related medical expenses. Case settled for an additional $35,000 for a total recovery in excess of $100,000.

Rear-end collision on entrance ramp to Merritt Parkway resulting in 49-year-old woman sustaining mid-back injury. Case settled at mediation after filing suit for $300,000.

28-year-old passenger sustained multiple herniated discs in automobile accident in New York state. New York no-fault carrier paid for extended period of disability from work and medical expenses, including expenses for surgery. Case settled against driver of vehicle for $300,000 policy limits shortly after filing suit.

54-year-old man sustains shoulder injury when hit from behind by uninsured motorist on New Jersey Turnpike. Case settled for $135,000 prior to trial.

CT Transit bus driver sustained torn meniscus in collision with another vehicle. Claims made against at-fault driver, workers’ compensation carrier and client’s underinsured motorist policy. All claims settle for a recovery in excess of $100,000.

68-year-old woman sustained neck and back injuries in rear-end collision and required extended course physical therapy, but was not a surgical candidate. Case settled for $100,000 prior to filing suit.

34-year-old woman sustained concussion and neck and back injuries in hit-and-run accident on a New York highway. Claimant settled uninsured motorist claim for her $100,000 policy limits.

80-year-old woman sustained right foot fracture when her foot was run over in a parking lot. Case settled for at-fault driver’s policy limit of $100,000 prior to filing suit.

38-year-old nanny sustained right femur fracture when she fell down defective stairs in home of her employer’s neighbor. All medical expenses and lost wages reimbursed and case settled for an additional $150,000.

Claim against landlord for defective staircase in multi-family rental house. Claimant sustained a right femur fracture. Case settled for $125,000 prior to filing suit.

$95,000 judgment obtained against bar and nightclub for assault by one of its patrons against another patron.

47-year-old woman sustained a broken left wrist when she fell from porch stairs at house she was renting. Case settled for $95,000 shortly before trial.

26-year-old male bitten on leg by German shepherd. Claim against dog owner settled for $65,000 plus payment of all medical expenses.