Permanent Impairment Claims

Permanent Impairment Claims

Permanent Impairment Claims

Summary

Workers with lasting functional restrictions may be entitled to a tax‑free permanent impairment payment.

Key Information

Whole Person Impairment (WPI) medical coverage:

  • 0–10%: Two years after last weekly payment
  • 11–20%: Five years after last weekly payment
  • 21%+: Lifetime medical coverage

Without an assessment/claim, default medical coverage may be limited to two years regardless of severity.

Referral or Escalation

Do a legal referral to assess likely WPI and timing for a claim.

Practical Tips

  • Consider assessment where ongoing restrictions are likely.
  • Explain the link between WPI and extended medical coverage.

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