Impairment Rating — Insurance Claims Definition
Workers Comp
A percentage estimate of permanent loss of function assigned using medical guidelines after MMI.
Impairment ratings translate clinical findings into compensation under state schedules. AMA Guides are common but not universal. Ratings drive PPD settlements.
Examples
Restricted lumbar range of motion yields 7% whole person impairment under AMA Guides for rating purposes.
Common Mistakes
Assuming clinical pain equals higher rating without objective findings — varies by jurisdiction. Shopping ratings between doctors.
