i had a knee injury in october 2007/surgery november 2007. i have been released by my doctor with recommendation that the medical be left open.
this is what he writes to wc/ins:
full thickness of the cchondral injury to medial femoral condyle which means the entire thickness of the cartilaginous surface had been sheard off and injured to the point where now there is exposed bone.
he has given a 7% impairment rating for lower left extremity which translates to a 3% whole person.
within a week of receiving this from my doctor the wc/ins contacted me with a settlement offer of $5935.23 (21 weeks/7% knee). without going into details during our conversation she lied to me (as i found out later). i've never been through this before, i don't have an attorney but don't know really what to do as i really don't trust them. i did not accept the offer i told her i would let her know.
i am still with the same employer and my wc/compensation was $283 per week when i was off after the surgery.
what stinks about this and what i feel is unfair/is the day i was injured i had been given a $2 per hour raise. but when they figure up what to pay me as far as a settlement it is based on the year prior. i mean the settlement for permanent disab. should compensate me what i will be out right? but they are paying me by what i used to earn. i know they can do this legally it is just not fair.
sorry to ramble, i just don't understand the formula on how they come up with a final settlement.