When a worker receives an on-the-job injury, the physician performs an evaluation in regards to the extent of the injury and whether you can return to work. The physician may assign you a maximum medical improvement rating. This rating is a percentage based upon the bodily damage you received. A permanent partial disability status is assigned when the physician believes that the area of damage caused by the work accident will not improve over an extended period of time. The insurance company and the employer both use this MMI rating percentage to determine the amount of liability benefits you will receive.
Receive a medical evaluation from the physician. This physician may be one assigned through the company to determine the extent of your injury and the MMI rating you will be assigned.
Give the doctor your information regarding your worker's compensation benefit case number and your insurance carrier's case number. This information is required so that the doctor can fill out an MMI/permanent impairment report.
Receive a copy of the MMI/permanent impairment report in the mail. Read over the report to understand the MMI rating and the conclusions on which the doctor based this rating.
Review the MMI/First Impairment Income Benefit Payment notice from the benefit claim insurance adjuster. Compare the notice with the doctor's report to ensure the percentage matches and there are no errors.