I'm a 36 year old Female and was injured in 2009. I injured my back and was sent for surgery. Now I can't work, use a walker, can't dress myself, have assistance for everyday living activities. The doctor gave me a MMI rating of 45%. the doctor also told me that I will never work again. He even wrote that I was unable to do any work including sedentary type work.
I still go to the doctor and medication is prescribed to me that total 2100.00 monthly. I receive 500.00 a week in comp. checks. They also provide me with attendant care. At first mediation they offered 200,000.00 which was the first offer they made. They really wanted me to take this offer and i declined. Now I get bills from doctor where they wait months to pay, they make me wait weeks on some medications and even though most of the medications have been prescribed for a couple of years now they will not authorize them for days and weeks, but they eventually do. There are also weeks they hold my checks and finally pay me what they owe.
This all seems like they are trying to make my life even harder than it is. Why is that? I did not have all these problems until I would not agree to the money they offered.
They really wanted to settle this issue. Did I make the right choice or should I settle?
I mean they know my age and expected life expectancy. They know my rating and that I can never work again. They know what doctors I use and what medications i will need and they know they have to provide attendant care as long as the doctor don't change the order. The attendant care issue was ordered by the IC. They also sent me to 4 different work comp only doctors and they all say the same thing. I will never work again.
Can anyone give me some advice or at least let me know if i'm doing the right thing. Cause after all 200,000.00 is a lot of money.