Thinking about settling your workers' comp claim?

Why settle a claim?

A workers' compensation settlement pays you a lump sum or a structured payment in exchange for closing your case. Settlements can offer financial certainty, but they also mean giving up certain future benefits. Settling may be right for you if:

• You want to avoid ongoing litigation.
• Your condition has stabilized and future medical expenses can be estimated.
• You need immediate financial relief for medical bills, lost wages, or other costs.

Types of settlement

• Full and final settlement. Resolves the entire claim, including medical and wage benefits, typically through a lump-sum payment.
• Indemnity-only settlement. Covers wage loss compensation while leaving the medical portion of the claim open for future treatment.
• Structured settlement. Periodic payments over time rather than a lump sum, providing ongoing financial support.

How I can help

• Evaluate your case so you aren't settling for less than your claim is worth.
• Work with medical providers to estimate future medical costs.
• Negotiate on your behalf rather than leaving you to do it alone.
• Advise you on how a settlement might affect other benefits, including Social Security Disability Insurance and Medicare.

Is settling right for you?

Every case is different. The decision depends on your medical condition, your financial needs, and your long-term goals. A settlement that makes sense for someone whose condition has stabilized can be a mistake for someone who still needs treatment.