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  1. #1
    Join Date
    Nov 2012
    Posts
    26

    Cool Broken Rib and Misc

    In looking at the rating guide of the NC Ind Commision I never found anything pretaining to a fractured rib.
    How do they do the rating for that?
    The rating guide is very confusing.
    I know that the ins adjusters love to drag things out hoping you will drop everything.
    Also does anyone know how long after the doctor release does the ins company try to settle?
    Does your employer know how much your settlement is or is that between you and the adjuster, Lawer and Commission?
    Thanks for the help.

  2. #2
    Join Date
    Oct 2006
    Posts
    9,080

    Default Re: Broken Rib and Misc

    not all injuries result in permanent impairment.
    the doctor evaluates the permanent effects on your body e.g. range of motion, atrophy, loss of strength, etc.
    if there is any permanent restrictions, the rating is applied to the whole body standard.
    North Carolina also looks at how the injury affects post injury earnings and wages.

    there is no time limit.
    yes the policyholder is made aware of the costs of the claim and how it will affect their premiums.

  3. #3
    Join Date
    Feb 2007
    Location
    831 East Morehead St., Ste 355, Charlotte, NC 28202
    Posts
    3,743

    Default Re: Broken Rib and Misc

    Ribs are not listed in the rating guide. You need some degree of permanent injury to get a rating. Your doctor may tie them to the spine and rate your spine, or you can try to go under the catch-all provision in 97-31. Generally, in NC the rating is not important unless you have returned to work and are making equal to or greater than your pre-injury AWW. If you have not returned to work due to the injury, or if you are not making your pre-injury AWW, then you can settle your case under a different and possibly more lucrative calculation. NC does not use the "whole body" standard or rubric. The adjuster will typically low ball you. If you have a lawyer talk to your lawyer about how to evaluate your case.
    The North Carolina Court of Appeals has held that "In contested Workers' Compensation cases today, access to competent legal counsel is a virtual necessity." Church v. Baxter Travenol Labs, Inc., and American Motorists Insurance Company, 104 N.C. App. 411, 416 (1991).

    Bob Bollinger, Attorney and Board Certified Specialist in NC Workers' Compensation Law

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