
"Mr. Richardson and Ms. York were always available - and they did a terrific job."
"Chip Permar and his team were outstanding!"
"You showed so much concern for me as a person -- there is such a personal touch to everything you do."
"I don't know what I would have done without you!"
"We were nervous at first, but you put us at ease."
"John and Stephanie were patient with me. Great teamwork!"
"Being injured turned into a life-changing event, but it was comforting to know that you understood me and were only a phone call away."
"You guys are on top of your game."
"I researched law firms on the internet, and I could not have asked for a better attorney."
"Whenever I called I got answers."
A:
Here's the quickest answer we can give, which isn't all that quick. It also requires answering a couple of questions. For purposes of this FAQ we're talking about accepted claims. The measuring stick for each of these is your average weekly wage. That's why we are relentless in making sure every bonus, every overtime payment, every per diem, absolutely everything gets into the calculation of your average weekly wage.
1. Can you go back to your old job or another paying just as much money? If so you will receive a nominal award based on your rating. You may be able to settle for more money if you give up the right to future medical care for this claim. This is the smallest of the potential settlement types.
2. Are you permanently and totally disabled from all suitable employment? If so you are entitled to be paid weekly benefits until you die or actually return to work. You are not entitled to a lump sum settlement, although you may reach an agreement for this with the insurance adjuster. To do so you will almost certainly need to give up the right to future medical care for this claim.
3. Are you incapable of returning to you old job or one of equal pay but still capable of performing suitable employment? If so you are entitled to be paid 2/3 of the difference between what you used to make and what you're now capable of making. You draw this amount in weekly installments for a period of 300 weeks which started on the date of your injury. You are not entitled to a lump sum settlement, although you may reach an agreement for this with the insurance adjuster. To do so you will almost certainly need to give up the right to future medical care for this claim.
NOTE: You are NOT ENTITLED to a lump sum settlement. This isn't like a car accident case where the jury gives you a bunch of money at the end of the trial. The Industrial Commission doesn't do that. All they'll do is order the adjuster to keep sending you checks.
NOTE 2: Do you need an attorney to settle your case? Not necessarily, particularly if it's under the first scenario. But any credible attorney should be willing to cut his or her fee if they aren't bringing value to the claim. In other words, if you aren't going to get a better settlement with us than you would have without us, then we should cut our fees. We do that.

Our book
"10 Ways to Wreck Your
Workers Compensation Claim"
Our controversial report
"10 Things Your Insurance Adjuster Won't Tell You"
"Deny & Buy" - Confessions of Former Insurance Defense Attorneys
"Lightning Strikes Twice" - How to Avoid Becoming a Victim of Personal Injury Insurance Companies
Download a copy of each book in the Library section or click on a title above, and we'll mail it to you.
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Greensboro, NC 27405
Phone: 336-274-4494
Fax: 336-274-4525
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OTP - Winston-Salem
110 Oakwood Drive, Suite 420
Winston-Salem, NC 27103
Phone: 336-274-4494
Fax: 336-631-5225
Toll Free: 1-866-OTP-Law1
OTP - Burlington
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Burlington, NC 27215
Phone: 336-226-5925
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Asheboro, NC 27203
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Raleigh, NC 27612
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Fax: 919-785-2239
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Fayetteville, NC 28314
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Charlotte, NC 28202
Phone: 704-547-1617
Fax: 704-334-2213
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Hickory, NC 28601
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Fax: 828-322-1643
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Wilmington, NC 28405
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3800 East 10th Street
Suite 101
Greenville, NC 27858
Phone: 252-294-1109
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OTP - Rock Hill, SC
3014 South Cross Boulevard
Rock Hill, South Carolina 29730
Phone: 803-327-0078
Toll Free: 1-866-OTP-LAW1
The accident wasn't my fault so can I sue my employer?
If I can't sue my employer, can I sue someone else?
What is "Maximum Medical Improvement" and what happens at that point?
What Can Go Wrong with a Return to Light Duty Work.
How a Functional Capacities Evaluation Can Wreck a Claim.
An Example of a Workers' Comp Adjuster Manipulating the Recorded Statement.