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Car Accident? Steps to Remember

Safety precautions include: Stop your vehicle and move it to a safe nearby location;  Check to see if anyone is injured;  Call 911 for medical assistance;  Do not leave the scene of the accident;  Make sure everyone involved moves to a safe location; and  If you think you are injured or think that the accident was violent enough, wait for the EMS to examine you. If possible, get the other party's information, including: Name;  Address (including email);  Phone number(s); and  Also, get the contact information of any witnesses. Get the following information about all vehicles involved: Year, make, and model of the motor vehicle(s);  License plate number(s);  Insurance carrier(s); and  Insurance policy number(s). If a police officer is present, get the following information from him or her: Name and badge number;  Phone number; and  Police report number. Document the motor vehicle accident, including: Dam...

Indiana Worker's Compensation: Understanding Permanent Total Disability Benefits

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Under the Indiana Worker's Compensation Act, injured workers are normally entitled to three (3) different types of benefits, including: (1) medical treatment at no cost to the injured worker; (2) wage replacement benefits, commonly known as Temporary Total Disability ("TTD") benefits; and (3) compensation for any permanency of the work-related injury that is calculated by looking at the Permanent Partial Impairment ("PPI") rating assigned by the treating doctor. However, in some cases, when the injured worker's impairment is so severe that it might adverely affect his or her ability to engage in competitive employment, the injured worker may have a claim for Permanent Total Disability ("PTD") benefits. PTD claims arise when the injured worker is unable to perform reasonable forms of work activity, such as a sit down job. In determining whether there is a viable PTD claim, the following considerations are taken into account: the injured worker...