Not sure if anyone can help. I have had a workers comp case going for 4 years and it looks to be at the end and about to settle. My attorney wants me to cash out the medical but I do have the option of taking the life time medical. I am declared 25% disabled at the moment with eventually needing surgery in the future when it gets worse. I have my own private medical insurance which I pay for and have had since I was a child, which I have been using in the past for my injury when my job at first did not file an on job injury report (long story). So my attorney says since I have medical already I should just cash out and not take the life time insurance but I am afraid that my medical can refuse to do a surgery on me in the future when I need it. I also worry that if I do take the life time medical and when I do need surgery down the road, what if the insurance company is gone?? Would I be out of luck?? Does anyone know what to do in this situation? Any help would be appreciated. Do I cash out or settle with the life time insurance??