Although your injuries may be permanent and you may receive Permanent Disability benefits, if you are able to return to your date of injury job without limitations, the Permanent Disability is the extent of your benefit. There are guidelines used to determine permanent disability based on your age, occupation, work limitations, objective findings, and pain. This is an area where a trained insurance adjuster can really minimize your recovery if you are not prepared. It takes extensive training to be able to rate and maximize recovery in this area. If you are unable to return to your date of injury job, and the employer is unable to provide you with modified or alternative work that pays up to 85% of your former wages than they must provide you with a Vocational Rehabilitation voucher. The voucher is payable to the school you choose and if you don’t use it in a timely manner you may lose the right to it.