California Permanent Disability Rating — How the AMA Guides Set Your Claim Value

How is your permanent disability rating calculated?

A doctor measures your lasting impairment using the AMA Guides. That number is then adjusted for your age and job to reach a final rating.

First your doctor checks how much function you lost. This is called impairment. The doctor uses a book called the AMA Guides. It turns your injury into a percent.

Your rating does not come right away. First your injury must reach a stable point. Doctors call this maximum medical improvement. It means you are as healed as you will get. Only then does the doctor write your permanent rating.

That raw percent is not your final number. Under Labor Code 4660.1, it gets adjusted. Your age and your type of job both change the result. The number can go up or down.

A younger worker may rate lower for the same injury. A heavy-labor job may rate higher. The final number is your permanent disability rating.

A state rater often reviews the doctor's report. They turn the medical findings into your rating number. You should get this in writing. Always ask for a full copy of the report. Keep it somewhere safe.

Here is what each part of the rating means.

How much money does each rating pay?

Your rating sets how many weeks of pay you get under Labor Code 4658. A higher rating means more weeks and more money.

This table shows what common ratings are worth.

Here are the 2026 weekly limits.

The table above shows your weekly range. These checks should arrive on a regular schedule. A rating of 70 percent or more adds a lifetime life pension. That is extra money paid for the rest of your life.

Before your rating, you may get temporary pay. That covers lost wages while you heal. It is different from permanent disability pay. Temporary pay stops once you reach a stable point. Then your permanent rating decides what comes next.

One more rule can shift your money. Under Labor Code 4658(d), your pay moves 15 percent up or down. It depends on whether your employer offers you suitable work.

Here is how that 15 percent rule works. Say your employer offers you steady work you can still do. Your PD pay can then drop 15 percent. If no real offer comes, your pay can rise 15 percent. So a job offer is not always good news.

Why is your first rating often too low?

First ratings often miss parts of your injury or blame old problems. A low number can cost you years of pay you earned.

The insurance company picks up the tab. So a lower rating saves them money. Their doctor may rush your exam. They may skip parts of your injury.

A big cause of low ratings is apportionment. Under Labor Code 4663, the doctor splits the cause of your harm. The employer only pays for the work-caused share. Old injuries or aging can be blamed for the rest.

Read your report closely. Check that it lists every hurt body part. A missed knee or wrist lowers your number. Check the apportionment too. The doctor must explain the split with real reasons. A vague guess does not hold up.

You do not have to fight this guess alone. A second opinion can undo an unfair split. The law puts the burden on the doctor. They must show real medical reasons for the split. Without that, the full rating should stand.

Sometimes that split is fair. Often it is not. A doctor may guess instead of using real proof. You have the right to challenge it.

How do you challenge a rating you think is wrong?

You can ask for a new exam by a neutral doctor called a QME. A lawyer can also push for a better number.

Do not just accept a low number. You have real options. The first step is a second look by a neutral doctor.

If you have no lawyer, you get a QME. The state sends a panel of three names under Labor Code 4062.2. Each side strikes one name. The doctor left is your evaluator.

If you have a lawyer, both sides can agree on one doctor. This is called an AME. A good report here can raise your rating a lot.

A better rating can mean a bigger check or a fair settlement. Most cases end in a deal called a Compromise and Release. You can also choose to keep lifetime medical care. We make sure any deal reflects your true rating.

Do not sign a final deal too fast. Once you settle, it is hard to reopen. Make sure your future medical needs are covered. A torn shoulder may need care for years. We plan for that future, not just today.

Deadlines are strict. Report your injury within 30 days. We can review your rating for free. We will tell you if it is too low.

You have nothing to lose by asking. A free review tells you where you stand. If your number is fair, we will say so. If it is low, we will fight to fix it.