Injured at work (fall) in July 2006. Back, neck and right arm. 2 surgery's for rotator cuff and tendon repair. Lots of therapy for degenerative disc disease and bulged discs. The bottom line is I can't lift my arm over my waist or behind my back and lots of pain in my neck and low back. The doctor treating my back has released me with a 15lb lifting restriction (ha! Can hardly lift 5 lbs) and a 5 percent whole body disability rating and the arm doctor gave me a 6 percent right shoulder rating and a 4 percent whole body rating with a over the head restriction for my right arm. I have decided not to go back to work (retail store) because I am 63 in Oct. and I know I can't stand for 8 hrs anymore and can't do the stocking work required. I live in tennessee. Can anyone venture a quess at what they might offer me in a settlement? I certaintly can't figure it out.