I live in the state of NY. I had a back injury in 2002 which left me with 2 herniated discs and one torn and major nerve damage in both legs. Did all conservative treatments there were and exastebated the injury in June of 2008, which I have been out of work sense. Had ADR and Fusion in May 2009, I now drop foot as a result. Docs will rate me in May at 75% disabled. I do have a lawyer and we are contenplating settling with IC.After reading many posts, Im not so sure. I have applied for SSDI and am waiting on an appeal, and doc said if I settle money will have to be set aside for future medical needs. Can anyone tell me about lifetime payments? How does that work? Do I have to continue this game of Doc, IME, workers compesation hearings and reduction of WC payments? This has been going on for 7 yrs and Im tired of it. I like my lawyer but should I get a second opinion like you would for your doc? Help!!!