Lasting injury
When you don't get all the way back
A claim doesn't end when the cast comes off.
If the injury leaves you with limits, comp can owe you more: money while you can't work, money for what's lost for good, and sometimes help changing jobs. The insurer will put a number on it. I check the number against your records and your doctor.
Don't sign a settlement before we've talked.
This page is for you if
Time off work and reduced pay
A rating for lasting limits
Work you can no longer do
A settlement offer on the table
What lasting benefits can cover
What's owed depends on your records and the rules where you were hurt.
Pay while you can't work
A share of your lost wages, for the weeks or months your doctor keeps you out or on light duty.
A rating for what's left
A doctor measures lasting limits, and the rating drives what the insurer owes. Two doctors can land far apart.
Medical care that continues
Treatment, medicine and equipment your injury still needs, approved and paid by the insurer.
A settlement, with eyes open
A lump sum can close the claim for good, medical care included. I explain what you give up before you decide.
About lasting benefits
How do I know if my injury is permanent?
Your doctor decides when you've healed as much as you will. Before that, the claim keeps moving.
Can I take a settlement and keep my medical care?
Sometimes. It depends on the terms. A settlement can close medical care, so read it with me before you sign.
Can I work while I get benefits?
Often, with limits. Tell me about any work before you accept or refuse any job so we don't cost you benefits.
What if I can't go back to my old job?
That matters to the claim. I'll ask what work you can and can't do and who has said so in writing.
Settlement offer on your desk?
Bring it before you answer. I'll tell you what I'd ask for instead.