Workers Compensation – Scheduled Loss of Use

If you are injured on your job and have been told you need “Scheduled Loss of use” (SLU) for your injury, you have come to the right place! You maybe entitled for a cash benefit that pays you according to the Workers’ Compensation Board guidelines.

We will explain how we evaluate you for SLU.  A medical report is submitted by us to the  Workers’ Compensation Board for “Scheduled Loss of use” for your injury. This report abides by the current Permanent Impairment Guidelines and attests that you have reached maximum medical improvement.

Our report states that because  of your injury on-the-job injury, you have suffered a loss of function in the injured body part that will last forever. We abide by Workers’ Compensation Guidelines for Determining Impairment. This article is based on New York state workers compensation guidelines.

When it comes to making treatment decisions, we always put the needs of their patients first. Our knowledge of current research and developments in our field is essential to providing the best care. We are aware of changes in insurance coverage and regulations, and we ensure high standard of quality care.

If you have been treated by us,we decide when you reach maximum medical improvement (MMI). MMI is reached after the treatment is over and you are no longer improving. Permanent disability is evaluated when a permanent impairment remains after a patient has reached maximum medical improvement. This is the time to do

“Scheduled Loss of use”.

“Disability” is a term used in to describe how a job accident has affected a patient’s capacity to work. The level of disability is determined by the Workers’ Compensation Law Judge based on the available medical evidence and other pertinent data. Your doctor, an employer’s medical consultant, or an independent medical examiner may all provide medical evidence.

Disability and impairment are distinguished from one another. We, as medical providers, make the sole medical determination of “impairment”. Impairment is defined as any anatomical or functional defect or loss. A thorough medical examination and a precise, unbiased assessment of function are necessary for an effective diagnosis of impairment.

These Guidelines give us a consistent method for assessing a person’s disability brought on by a work-related injury or sickness that has been medically verified.

Workers’ Compensation Disability and Its Benefits:

Workers’ compensation disability benefits are payments made to employees who are injured on the job or become ill as a result of their job. To an eligible worker and his or her family, workers’ compensation provides medical, income replacement, and death benefits.

Some states require employers to provide workers’ compensation coverage for their employees, while other states do not. Even in states where employers aren’t required to provide coverage, employees may still be able to get benefits through private insurance or workers’ compensation.

Each state has its own Workers’ Compensation Board that oversees the program and resolves disputes. By accepting workers’ compensation benefits, the employee waives the right to sue their employer for damages. In some cases, employees may be covered by federal programs, such as the Longshore and Harbor Workers’ Compensation Program or the Federal Employees’ Compensation Program.

The compensation may include partial salary repayment and coverage of medical costs. Workers’ compensation is not the same as unemployment benefits or disability insurance.

State-mandated insurance programs are typically mandatory for most employers. An employee may be entitled to a variety of benefits as a result of workers’ compensation.

Medications and lost wages can be covered by these benefits. Workers’ compensation can also help to provide for retraining or rehabilitation if an employee is unable to return to their previous job. 

Below are some important benefits to consider in this regard:

i.Salary Replacement:

Workers’ compensation can provide partial salary replacement for employees who are unable to work as a result of their injury or illness. The amount of salary replacement will vary depending on the state in which you live, but typically workers can receive up to two-thirds of their regular pay.

ii. Survivor Benefits And Healthcare Cost Reimbursement:

Medical expenses and rehabilitation costs may also be covered under workers’ compensation in addition to salaries. In most cases, workers’ compensation will reimburse employees for some of their medical expenses. Surviving family members of employees who die from work-related injuries or illnesses may also receive workers’ compensation benefits.

iii. Recipients Waive The Right To Sue:

Upon accepting workers’ compensation benefits, employees sign away their right to sue their employer for damages. This agreement protects both workers and employers by providing workers with a certain degree of financial security while limiting the amount of liability that employers may face due to negligence lawsuits.

Workers’ Compensation Vs. Disability Insurance:

The main difference between workers’ compensation and disability insurance is that workers’ compensation is mandatory in most states, while disability insurance is not.

Employees with workers’ compensation are covered for lost wages and medical expenses, whereas disability insurance replaces a portion of an employee’s income when they are unable to work.

Disability insurance is typically purchased by the employee, while workers’ compensation is provided by the employer. Also, workers’ compensation benefits usually last for a short time, but disability insurance benefits can last forever.

How Is Disability Determined?

The determination of whether an individual has a disability is made on a case-by-case basis. Depending on the state, medical information about impairments will be used to determine whether injured workers have permanent disabilities that affect their ability to perform certain tasks – or even to work. 

Having a major life activity impeded does not necessarily qualify as disabled. Rather, an individual only needs to be limited in their ability to perform the activity when compared to most people who are not disabled.

Once an employee has established that they are disabled, they will need to file a claim with their state’s workers’ compensation board. A board of experts will review the claim and determine how much benefits should be awarded based on the findings.

Forms of Disability Under the Workers’ Compensation Law

The following categories of disability are recognized by this law in workers’ compensation cases:

  1. Temporary total disability: A situation where an employee becomes temporarily unable to perform any aspect of their regular work duties while recovering from an illness. The worker can resume work after the recovery period has ended.
  2. Permanent total disability: This type of Injury prevents an employee from working in the capacity for which they were trained. Depending on the state, benefits are provided for life or retirement.
  3. Temporary partial disability: In this situation, an employee cannot perform their regular responsibilities. The Employer doesn’t pay the full salary to the employee since they cannot do the entire job.
  4. Permanent partial disability: Despite being able to return to work, an employee has some permanent impairment that makes it impossible for the employee to work as they did before the injury.

Permanent disability is evaluated when a permanent impairment remains after a patient has reached maximum medical improvement (MMI). These guidelines were developed in order to assess impairment of permanent disabilities

Maximum Medical Improvement (MMI)

A determination of MMI is made based on a medical opinion that the patient has fully recovered from the work-related illness or injury and that no further improvement is likely to occur.

The need for palliative or symptomatic treatment does not preclude a finding of MMI. In cases that do not involve surgery or fractures, MMI cannot be determined prior to 6 months from the date of injury or disablement, unless otherwise stated or agreed to by the parties.

When determining MMI, the treating physician will examine the injured worker’s progress and residual symptoms, as well as their expected course of treatment in the areas of physical therapy and occupational therapy. Once MMI is reached, the physician will provide a full report to the workers’ compensation insurance carrier. 

The insurance carrier will then use this information to calculate the appropriate PPD benefits. In some cases, an independent medical evaluation may be requested to confirm the physician’s determination of MMI. Sometimes, a person may never reach MMI and require lifelong care. However, for most people, MMI is an achievable goal to help them get back on their feet after an injury.

Our responsibility as your physician

The patient’s medical condition, level of impairment, and functional capacities are evaluated by us  in accordance with their best professional judgment and reported to the Board and the parties.

These Guidelines offer specific standards for judging a medical condition’s impairment, with more emphasis placed on unbiased findings. It is the obligation of the medical practitioner to provide medical data that the Board will take into account when making a legal decision evaluation of disability.

We look to the objective findings of the physical examination and data in the patient’s medical records rather than inferring findings or manifestations that are not obtained from the physical examination or test reports. In order to determine impairment, this methodology aims to promote consistency, predictability, and inter-rater reliability.

We carry out the following in order to compile a report on permanent impairment:

  1. Determine the body area or system that is impacted (include chapter, table number, class, and severity level for non-schedule disabilities) and study the Guidelines 
  2. Examine the pertinent medical history and records.
  3. Conduct a comprehensive physical examination.
  4. A goniometer is used by us to measure active range of motion (ROM). Three repeat measurements must be conducted to determine the maximum range of active motion.
  5. If applicable, deficits should be assessed by comparison to the baseline reading of the contralateral member. When the opposite side is unavailable for comparison or has a prior injury, using the contralateral is inappropriate.
  6. Report the work-related medical diagnosis (es) and examination findings, with the proper citations of the pertinent medical history, examination, and test results.
  7. To determine a level of impairment, abide by the suggestions.
  8. Analyze the effect of the impairment(s) on the patient’s functional and exertional skills in the case of a non-schedule permanent disability. Read the 2012 New York State Guidelines for Determining Permanent Impairment and Loss of Wage-Earning Capacity for guidelines on medical impairment and functional assessment.
  9. The sum value of a number of range-of-motion deficits shouldn’t be greater than the value of a joint with complete ankylosis when calculating the value of a schedule loss of use. A main member’s total number of ankylosed joints is not allowed to exceed the cost of amputation. However, due to loading, digits might go over these limits.

Types of Final Evaluation Examinations

Final evaluation examinations for the following award categories will be conducted by examining medical professionals:

A Schedule Award for:

  1. Impairment of extremities (including nervous system impairment that impacts use of extremities) 
  2. Loss of vision 
  3. Loss of hearing 
  4. Facial disfigurement 
  5. Non-Schedule Award for:
  6. Classification as permanent partial disability 
  7. Classification as permanent total disability

So, these two types of final evaluation examinations can be conducted by examining medical professionals. These awards are not based on a schedule but on the extent of the disability and its impact on the injured worker’s ability to earn a living.

In both cases, the examination must be conducted by a medical professional to determine the extent of the injury and the appropriate course of treatment.

No matter which type of final evaluation examination you choose, it is essential to remember that these examinations are designed to help you improve your skills and knowledge as a medical professional.

The Workers’ Compensation Board must give its approval to the provider to be an authorized provider of the board before we can evaluate a patient who is located in New York or conduct an evaluation there.

Any evaluation carried out by medical professionals outside of New York must also adhere to these Guidelines, including the use of any forms the Chair may have recommended

Schedule Awards

A schedule award is paid for residual, long-term physical and functional disabilities and not for an actual injury. The following medical standards must be met before a claim is finally adjusted by a schedule award:

  1. There must be a permanent impairment of an extremity, permanent loss of vision or hearing, or permanent facial disfigurement, as defined by law. 
  2. The impairment must involve anatomical or functional loss such as physical damage to bone, muscles, cartilage, tendons, nerves, blood vessels, and other tissues. 
  3. The applicant must have made the most progress medically.
  4. Before a claim is deemed appropriate for scheduling examination of an extremity or extremities involved in the same accident, no residual impairments must exist in the systemic area (i.e., head, neck, back, etc.).

Workers’ Compensation Law specifies the value for a percentage loss or loss of use of body parts. The amount of the schedule award is based on the extent of the disability and the number of weeks of healing time allowed. An individual who is unable to work because of a permanent disability can receive disability benefits.

To qualify for a schedule award, you must be able to provide proof that your disability is directly related to your work injury. The severity of the disability must also prevent you from being able to work. Schedule awards are intended to provide financial assistance to injured workers who cannot return to their previous job or find employment in another field.

Non-Schedule Awards (Classification)

Permanent impairments that are not covered by a schedule, such as diseases of the heart, lungs, skin, or brain, as well as impairments of the extremities that are not eligible for a schedule award as stated below, are considered non-schedule awards. Schedule Impairments Subject to Classification Examples of extremity impairments not covered by a schedule award

  1. Conditions involving the major joints of the extremities, such as the shoulders, elbow, hips, and knees, which are progressive and extremely painful and include one or more of the following:
  1. Objective signs of acute or chronic inflammation in one or more joints, including swelling, effusion, changes in color or temperature, soreness, and painful range of motion, among others.
  2. Progression and severe degenerative arthritis as seen on X-rays.
  3. Minimal or no improvement following the use of all available medical and surgical treatment options.
  1. Distal extremities, such as the hands and feet, are frequently affected by chronic pain of an extremity, which may include one or more of the following:
  1. Chronic painful extremities syndrome, Sudeck’s atrophy, or Complex Regional Pain Syndrome (reflex sympathetic dystrophy).
  2. Observable symptoms such as persistent edema, atrophy, dysesthesias, hypersensitivity, or variations in the color and temperature of the skin, such as mottling.
  3. Signs of osteoporosis on X-rays.
  4. Little to no reported improvement following the patient’s use of all available chronic pain treatment modalities.
  1. The lengthy bones’ failure to union.
  2. Aseptic necrosis of other bones, such as the femur head.
  3. Serious and ongoing joint instability, particularly in the knee or other important joints.
  4. Severe Paget’s illness.
  5. Cancer.
  6. Joint-related Caisson’s disease is number eight.
  7. Constant ulcerations and sinus drainage
  8. Constant joint dislocations (shoulders).
  9. Patients with neuromas or poorly healing stumps.
  10. Joint replacements, such as total knee, total hip and total shoulder replacements, which have failed.

Abbreviation Codes used by Workers compensation board-

Acronym/Term  Definition 
Mi  Mild 
Mo  Moderate 
Ma  Marked 
Flexion deficits 
Extension deficits 
DIP  Distal interphalangeal joint 
PIP  Proximal interphalangeal joint 
MCP  Metacarpophalangeal joint 
CMC  Carpo-metacarpal joint 
MTP  Metatarsophalangeal joint 
SLU  Schedule loss of use 
ANCR  Accident Notice Casual Relation 
ODNCR  Occupational Disease Notice Casual Relation 
Per NYS Statute: 
Thumb  Thumb 
First finger  Index finger 
Second Finger  Middle / Long Finger 
Third Finger  Ring Finger 
Fourth Finger  Small / Little / Pinky Finger 
Symbols 
Less than 
≤  Less than or equal to 
Greater than 
≥  Greater than or equal to

Please refer to the Workers Compensation Board website of your state or speak with your Workers Compensation attorney for more information.

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Based on 93 reviews
Dr Vaksha, is a great doctor very professional knows what he talking about. Treat patient with upmost respect. Thank You
Troy Spencer
16:46 19 Jan 23
Dr. Karkare is an amazing doctor, very caring and attentive, the girl at the front desk is very kind and helpful. .elizabeth .thank you so much .
blanca ventura
21:32 26 Oct 22
Been going to this place before my accident and after I had my knee surgery. So happy how I been treated and how well I am getting. Thank you all and specially Dr. VAKSHA for everything and getting back on track.
Ita Opico
19:01 25 Oct 22
Love this place From the minute I called I was treated kindly. When I arrived The Dr saw me right away he was compassionate and ordered the appropriate tests for me. I came back in for my follow up and had the same great experience.
Christine Rostock
21:28 23 May 22
Dr Vaksha and Dr karkare are 2 of the best orthopedic doctors around my wife Susan had a very serious broken ankle in March of 2019 she didn't think she was going to walk again Dr vaksha did an excellent surgery on her ankle he said it was his toughest he ever did he put a lot of hardware in her ankle and told her she would be alright she made remarkable recovery thanks to his surgery as of now she regained 100 percent use of her ankle she would highly recommend him to anyone. My own experience with Dr karkare has been wonderful he takes his time with you listens to what you have to say and prescribes various treatments and is very caring I would highly recommend him to anyone I would give both doctors a 10 plus rating we are very happy with them the best.
Harry Jones
23:31 19 May 22
Complete orthopedics is a wonderful place to go when you hurt or injured a great staff and wonderful doctors very knowledgeable and helpful I would recommend this place to all of my family and friends that is in me of orthopedic care I give them 10 thumbs up
Wayne Pemberton
17:39 18 May 22
The staff is very professional and helpful. Dr. Vaksha is excellent. He takes time to listen and offer suggestions to help you get better. I’m very thankful and happy to be a patient here at Complete Orthopedics.
Phoenix Rising
19:54 16 May 22
Dr.Karkare is the best. He listens to everything and explains everything I recommend him to everyone. I am so happy he is my doctor.
Myrna James
00:48 13 May 22
Dr.Kuo is amazing very attentive,caring,and passionate and staff is awsome too.Thank you for everything Dr.kuo.
Erick Murillo
23:17 12 May 22
I was in a car accident November 1 I was referred to Dr. Vaksha For shoulder surgery . I he was amazing he made me feel very comfortable and explained everything that was going to happen from surgery all the way through my physical therapy highly recommend Dr. Vaksha
Yolanda Ojeda
19:37 09 May 22
My appointment with Dr. Vaksha was amazing. Dr. Vaksha was very thorough and kind. I would refer this office to anyone who needs a great orthopedic doctor.
John Senechal
19:54 05 May 22
Scheduling my appointment was quick and easy. The staff was super friendly and down to earth. I was seen on time. The appropriate test, “x-rays” were taken before the conversation with doctor, something I really liked, test for analysis and conversation was done upfront. Dr. V had a great personality and was no BS, straight forward diagnosis and a play on next steps. I am happy I found them and would refer them to friends and family.
Sam
00:46 03 May 22
I have seen Dr. Kuo two times already and he's awesome along with his staff. Very friendly office and I'm glad to be a patient here.
Camaris A
20:01 28 Apr 22
Amazing team!! Very caring, profesional, and friendly!! Dr. Kevin Kuo, you are the best, very passionate, caring, and helping thank you for getting me better and being so kind to me! Elizabeth you the best thank you for you help always and you big smile and positive actitud❤️🙏🏼
breidy valerio
19:01 22 Apr 22
The staff is truly exceptional, they make you feel comfortable and welcomed. The doctors are amazing,always professional, compassionate and great listeners.
Elizabeth Collado
03:25 09 Apr 22
What a great place! The place is clean and organized.The staff is wonderful. Setting up physical therapy is right there as well.I'm so glad I found this place.
Donna Anne
22:45 05 Apr 22
This was my 1st time breaking something in my 27 years on this planet. I was recommended here by a friend Dr. Vashka helped me from day 1 and still continues to check in on me and my healing ankle. Would highly recommend
tyron davis
16:06 01 Apr 22
Brand new office, same great doctors! Rooms are clean, plenty of parking, physical therapy attached, Dr. Karkare and his staff are awesome. Thank you!
Emily B
02:49 24 Mar 22
Dr.VAksha is the best, I love the way he treats me as his patient, he is caring,understanding and very attentive to my needs
Mirna Caballero
14:53 03 Mar 22
Great staff. Dr. Vaksha is awesome and takes the time to listen to his patients. He is very compassionate. I would highly recommend this office.
Bebe Doyle
01:24 23 Feb 22
After suffering from a severe ankle injury Dr. V was able to help me heal and return back to work completely to a job where I stand for 12 hours a day. The office is very clean and I appreciated the reminders of my appointments via phone call and through text. The patient portal made it easy for me to access all my documents including work notes. The office staff is wonderful and Rebecca was able to schedule me with a busy schedule and awesome at answering all of my questions including referring me to a great physical therapy office. I highly recommend this office to anyone who’s looking for knowledgeable and kind orthopedic office.
Elizabeth Birchwell
21:31 28 Jan 21
The staff here are great, I was seen at the time of my appointment and was well taken care of!
Shaun Berry
18:14 07 Jan 21
They are an excellent practice. The front and back office people are amazing and so helpful. Rebecca is such a kind and understanding person. I had an issue with paperwork and she cleared it right up. Dr. Karkare is very knowledgeable, helpful, and caring.
Matt S.
19:31 18 Nov 20
Rebecca K. - What a true burst of sunshine. Very friendly and definitely an asset to the practice!
Laura Aston
18:17 17 Nov 20
Great experience, the Doctor is nice but the staff is incredible. I worked with Linda, who was profession and assisted me beyond what any person has done at other practices. Complete Ortho should be complimented for having such a person on their staff.I highly recommend this place!!!
Joe Allen
17:26 17 Nov 20
Linda and Becca they are so good ever time I come they are very nice I would tell everyone I no to come to this office..
Barbara Victor
16:45 17 Nov 20
I was rear ended in an auto accident , Dr Vashka was recommended by a friend of mine .I was experiencing Back , neck , and shoulder pain . After a thorough examination and given exercises to do at home , I am feeling much better , and I ended up avoiding surgery . The staff at Complete Ortho is extremely attentive and show great care when making an appointment and are very friendly and i never waited more than 5 minutes for my appointment . So I would strongly recommend Complete Orthopedics for any aches and pains that one might be experiencing.....
Bill Becht
04:44 17 Nov 20
It was the afternoon of Friday Sept. 24. We were in Pt. Jefferson and my wife, Mary Ann, broke her hip. We went to Mather Hospital and it was determined that she would have to have an operation to have it repaired. This would be her third time under the knife in the past year. It just so happened that we were very fortunate enough to have Dr. Karkare, who was on standby, perform the surgery. He put in a rod and two screws in her hip. She spent a few days in the hospital and then went to Gurwin rehabilitee for another few weeks.It has now been almost six weeks and we both worked the election the other day. If it wasn’t for Dr. Karkare’s expertise she never would have been able to work. She is able to walk with a walker and is doing physical therapy three times a week.We can not thank the doctor enough for the compassion and dedication that he puts into his work. It allows Mary Ann do the things that she likes to do, even on a limited basis for a while. I know that with her will, perseverance and the great work that the surgeon performed she will be back on her feet in no time.Sincerely:John V. PlumpEast Northport, NY 11731
Jack Harris
14:36 06 Nov 20
In the year of 2018 I was referred to Dr. Karkare because I was experiencing severe knee joint pain. After exhausting physical therapy and trying to labor through the pain, I had to make a quality of life decision. Total knee replacement was the only viable option. Dr. Karkare made my decision easy as he walked me through the whole process from surgery to recovery.On 12/13/19 ( Friday the 13th) I enter Lenox Hill Hospital in great hands. From the time I entered Dr. Karkare’s office for the first time until now, his staff has been amazing. Andrea the medical coordinator walked me through all the paper work and necessary preparations for the surgery. Courtesy and kind would be an understatement. Dr. Karkare went over and beyond from the wellness checks and phone calls all to assure me that I was important to him. This was the right decision no pain and no limp. Complete Orthopedics should be your choice!
Kenneth Randolph
22:18 25 Sep 20
Dr. Vadshka has a great bedside manner. He really takes his time and explains treatment options.
T Lee
12:33 09 Sep 20
I suffered with pain in both knees for years. My orthopedic doctor kept recommending knee replacement . I fought it for years, as I was just afraid. When I had no choice and could barely walk , it was recommended I see Dr. Karkare. We set up a consultation and my wife and I left his office feeling totally confident and comfortable with moving ahead with the surgery. He explained everything to us, and the office staff set everything up for us and made the process easy. So about one month after our initial meeting I had the first knee done. I was up walking mere hours after the surgery, and on the workout machines the next morning. I went home two days after the surgery, and yes walked my daughter down the aisle at her wedding only one week after the surgery without even a cane! Three months later I had the other knee done and went home the very next day. Dr. Karkare put my fears to rest . I would highly recommend him. His expertise gave me my life back. Thank you Dr. Karkare.SincerelyVito Congro
Ethel Congo
23:58 12 Aug 20
Dr Rhodin really cares for his patients. When I see him he makes sure to review my progress in detail.
Micki Cahill
15:03 08 Feb 20
My mom had a total hip replacement by dr karkare. He is the BEST orthopedic doctor.Her incision is almost invisable.She is going back for her other hip next week. The office staff is the best, love Andrea.You wont find a better doctor.
Ryan Brigandi
21:06 13 Jul 18
There is no better Orthopedic doctor you will find. Broke my ankle three places on a Saturday. Called Dr. Karkare. He had is team ready at the hospital and operated on me within 6 hours after my injury. Now After 3 months of great care by him and his staff, I am walking to normalcy.
Spacecom Tel
04:13 23 Mar 18
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I am fellowship trained in joint replacement surgery, metabolic bone disorders, sports medicine and trauma. I specialize in total hip and knee replacements, and I have personally written most of the content on this page.

You can see my full CV at my profile page.