If you’ve been injured at work and have been receiving workers’ compensation benefits, you may eventually reach a stage in your recovery known as Maximum Medical Improvement (MMI). But what does that mean for your case and, more importantly, your future?
Many injured workers ask, “I have reached MMI, now what?” MMI is a crucial stage in your workers’ comp claim, and understanding your rights and next steps is essential to securing the benefits you deserve.
MMI Meaning – What is Maximum Medical Improvement?
Maximum Medical Improvement is the point at which your treating physician determines that your condition is as good as it will get. This designation does not necessarily translate to MMI meaning you are fully healed—it means your condition is stable and unlikely to improve further with additional medical treatment. Once you reach MMI, your case moves into a different phase of the workers’ compensation process.
What Happens After MMI in Workers’ Comp?
Many injured workers wonder what happens after MMI in workers’ comp. Here’s what to expect:
1. Evaluation of Permanent Impairment
Once you reach MMI, your doctor will assess your condition and may assign you an impairment rating, which reflects any permanent disability or loss of function due to your injury. This rating will significantly impact your future benefits.
- In Missouri, impairment ratings are used to calculate permanent partial disability (PPD) or permanent total disability (PTD) benefits under Missouri Workers’ Compensation Law.
- In Arkansas, the Arkansas Workers’ Compensation Commission (AWCC) follows state-specific guidelines to determine permanent disability awards.
After your impairment rating is determined, your benefits may change, and you may need to negotiate a settlement or pursue additional compensation if you disagree with the rating.
2. Settlement Negotiations
Once you have reached MMI, workers’ comp may begin to wind down, leading to the insurance provider offering a settlement. The settlement may include compensation for permanent impairment and future medical costs. However, insurance companies often try to minimize payouts, so having an experienced workers’ compensation attorney—like Cottrell Law Office—on your side is crucial.
If you do not believe the settlement offer is fair, you have the right to negotiate or take further legal action to ensure you receive proper compensation.
3. Return to Work or Vocational Rehabilitation
If your injury prevents you from returning to your previous job, your employer may offer a modified position that accommodates your new limitations. If no suitable work is available, you may be eligible for vocational rehabilitation benefits to help you transition to a new job.
Under Missouri law, workers with permanent restrictions may qualify for vocational training. These programs can provide valuable skills and resources to help you regain employment, even if you can no longer perform your previous job duties.
4. Disputes and Appeals
If you disagree with your impairment rating or the insurance company denies your benefits, you may need to file an appeal. The appeals process can be complex, requiring extensive medical documentation and legal representation.
In Missouri, disputes are handled through the Missouri Division of Workers’ Compensation, while in Arkansas, cases may be reviewed by the Arkansas Workers’ Compensation Commission.
Navigating these disputes can be challenging, but an experienced attorney can help advocate for your rights and ensure you receive the benefits you deserve.
5. Social Security Disability Benefits
If your injury prevents you from working in any capacity, you may be eligible for Social Security Disability Insurance (SSDI) benefits. These benefits can provide financial support if your condition is severe and long-term.
Our firm can help you evaluate whether this is a viable option and guide you through the application process to improve your chances of approval.
I Have Reached MMI, Now What?
Reaching MMI doesn’t mean your case is over. In fact, it is a point at which you must make critical decisions. Insurance companies may try to reduce or stop your benefits altogether. Cottrell Law Office has over 32 years of experience advocating for injured workers in Missouri and Arkansas. We fight to ensure you receive the compensation you deserve.
Our team understands the tactics used by insurance companies and will work diligently to protect your rights and maximize your benefits.
Contact Cottrell Law Office Today
If you’re asking, “I have reached MMI, now what?” know that you don’t have to navigate this process alone. Cottrell Law Office is here to protect your rights and fight for your future. Call us today for a free consultation, and let us help you secure the benefits you deserve.
Wesley Cottrell
Wes Cottrell earned his B.A. from Pittsburg State University in 1981 and his J.D. from the Washburn University School of Law in Topeka, Kansas in 1985. He was admitted to practice law in Kansas in 1986, in Missouri in 1987, in Arkansas in 1989, and Oklahoma in 1993. He is licensed to practice law in the United States District Court for the District of Kansas, eastern Arkansas, western Arkansas, and western Missouri. He was Deputy Prosecuting Attorney in Crawford County, Kansas from 1987-1989.
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