i have a mo. case going and according to my attorney i have reached mmi and have obtained a disibility rating i was rated at 15% to my neck 10 % to my shoulder with a whole body rating of 25% the paper also states that the two disibilties combine to create a greater disibility so a loading factor should be applied what does this mean to me.these are listed as permanant partial disibility and the paper also states that i am unable to return to work my attorney has filed for a pre-hearing and second injury fund what should i expect from all of this and any idea of what i am looking at money whise any comments would be appreciated thank you