ANSI (American National Standard Institute) Permanent Total and Partial Disability Charges

1. Permanent Total Disability – Permanent total disabilities resulting from work injuries shall be assigned a time charge of 6,000 days each.

2. Permanent Partial Disability – Permanent partial disabilities, either traumatic or surgical, resulting from injuries shall be assigned charges as provided in table 1- tabulation of Schedule Charges. These charges shall be used whether the actual number of says lost is greater or less than the scheduled charges. Even if no days are lost at all, except as noted in 2.1.4.
   

   1. Scheduled charges  – See table – Chart of Scheduled Charges for Hand and Foot.

   2. Charges for finger and toe amputation – For each finger (or toe) use only one charge- the charge shown in the table or on the chart- for the highest valued bone involved. For amputations of more than one finger (or toe), total the ceparate charges foe each finger (or toe). Example: Amputation of the little finger with part of the metacarpal would be charged 400 days. Amputation on the ring finger, involved the proximal phalange would be charged 240 days. If both of these occurred in one accident, the charge would be 100 + 210, or 640 days.

   3. Charges due to permanent impairment of function – The charge due to permanent impairment of function shall be a percentage of the scheduled charge, corresponding to the percentage of permanent reduction of function of the member or part of member involved as determined by the physician authorized by the employer to treat the case (see special rules relating to permanent impairment of hearing and vision in 2.1.2.1 and 2.1.2.2 below). Example: An injury to the index finger resulted in permanent stiffness at the middle phalange, which the physician, authorized by the employer to treat the case, estimated at 25 percent permanent impairment of function. The charge would be 25 percent of 200 days, or 50 days.

   4. Permanent impairment of hearing. – Loss of hearing is considered a permanent disability only in the event of complete industrial impairment of hearing from traumatic injury or industrial noise exposure, in which case the full time charges shown in table 1- tabulation of scheduled charges, shall apply.

   5. Permanent impairment of vision – The charges due to permanent impairment of vision shall be a percentage of the scheduled charge for total loss of vision corresponding to the percentage of permanent impairment of vision as determined by the physician authorized by the employer to treat the case. The determination of this percentage shall be on the basis of uncorrected loss.

   6. Impairment affecting more than one part of the body – For permanent impairment affecting more than one part of the body, the total charge shall be the sum of the scheduled charges for the individual body part impaired. If the sum exceeds 6,00 days, the total charge shall be 6,000 days.

   7. Permanent and temporary injuries in the same accident – In those cases where an employee suffers a permanent partial injury to one part of the body and a temporary total injury to another part in one accident, the greater charge shall be used and shall determine the injury classification.

   8. Charges for injuries not identified in tables below – The charge for any permanent injury other than those identified in the schedule of charges (such as damage to internal organs, loss of speech, damage to lungs, back, etc…) shall be a percentage of 6,000 days, corresponding to the percentage of total disability which results from the injury, as determined by the authorized by the employer to treat the case.

3. Temporary Total Disability – The charge for a temporary total shall be the total number of calendar days of disability resulting from the injury.

Tabulation of Scheduled Charges for loss member – Traumatic or Surgical
Fingers
 
Amputation involving all or part of boneThumbIndexMiddleRingLittleDistal Phalange300100075060050Middle Phalange—20150120100Proximal Phalange600400300240200Metacarpal900600600450400
Toes
Amputation involving all or part of boneGreat toeEach of other toesDistal Phalange150035Middle Phalange—-075Proximal Phalange300150Metacarpal600350
Hand & Arm
Any point above’ elbow, including shoulder joint4500Any point above wrist and at or below elbow3600Hand at wrist3000
Foot & Leg
Any point above’ knee4500Any point above ankle and at or below knee3500Foot at ankle2400