What are the limitations on the amount of temporary and permanent partial disability benefits I can receive via Colorado workers' compensation?

Caps for these types of Colorado workers' compensation benefits are determined by several factors but in principle, the cap depends on the impairment rating the treating physician assigns. It's important to note that benefit caps do not apply until the treating physician declares you have reached MMI.

For injuries occurring on or after January 1, 2006, the cap for combined temporary and permanent partial disability benefits is $75,000 if your impairment rating is 25% or less and $150,000 if your impairment rating is higher than 25%. For injuries occurring before 2006, the caps are $60,000 and $120,000 respectively.

Doctors assign an impairment rating based on the American Medical Association's Guides to the Evaluation of Permanent Impairment, 3 rd Edition (Revised) or more commonly known as the "AMA Guides." What doctors do is assign ratings to the parts of your body affected by the injury. For example, they may assign an injured arm or shoulder, neck and psychological rating.

Each of these figures is then converted to your "whole person" equivalent using the appropriate tables in the AMA Guide. Once the whole person equivalent is determined for each extremity rating, those figures are added together to give you your impairment rating.

Read How do the caps apply to how much I ultimately receive in Colorado workers' compensation benefits? to learn more about how benefit caps can affect what you ultimately receive in benefits.

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