Permanent Disability

Permanent Disability (PD) happens when you are stable in recovery known as Maximum Medical Improvement (MMI) and will not improve with or without medical treatment within one year. When you reach Maximum Medical Improvement (MMI), a Stipulated Award is the minimum settlement generally given from the insurance company. A Stipulated Award leaves future medical care (FMC) open as long as you secure medical treatment for your injury in the insurance company’s Medical Provider Network (MPN). See Settlements for more details.