Long-term benefits
When the injury doesn't fully heal
Some injuries leave a lasting limit: a back that won't bend, a hand that can't grip. Workers' compensation has benefits for that, and they are easy to lose or to sign away.
Your doctor will eventually say you have reached maximum improvement, and may give a rating for any permanent loss. That rating, your pay history and whether you can go back to the same job all shape what you are owed.
Before you accept a settlement, we explain what you would be giving up, including future medical care, and whether the number fits your injury.
We look at
Your doctor's rating and work limits
Whether your old job is still open to you
Future treatment and medication
How a settlement could affect Medicare or other benefits
Choices you may be asked to make
A permanent rating
We check that the rating matches your records and ask for another opinion when it doesn't.
A settlement offer
We compare it with your medical needs and lost pay, then tell you what we see.
A change of job
If you can't do the old work, we look at retraining and the benefits that go with it.
Before you settle
What does "maximum improvement" mean?
It means your doctor believes you won't get much better with more treatment. It doesn't mean you are healed, and it often starts the talk about a rating.
Should I accept the first settlement offer?
Not before you know what it covers. A first offer is a starting point, so we weigh it against your medical needs and lost pay.
Can I settle and keep my medical care?
Sometimes. A settlement can close your future medical care, so we read that part before anything is signed.
Talk before you sign
Bring the offer, the rating and your doctor's notes.