I was injured doing my job. My injury was the result of a repetitive use and resulted in a herniation at C6-C7. I have been having pain on and off for about 2 years. The NS has placed me at MMI with a disability rating. I am working full time at the same job with a modified schedule. I have not had surgery because my disk has healed partially. I still have pain, unfortunately. The insurance carrier wants to settle. I have been giving 2 options. I could get a lump sum payment, but I would have to resign from my job. or I could stay at my job and get a payment for benefits. I dont know if I am ready to end my career yet after 12 years, even though I have pain. i think I will have pain now, no matter what I do. I do not have a lawyer. I dont even know what kind of money value they are talking about. I am a little confused on the situation. Any advice from anyone would be greatly appreciated as I am not sure where I should turn. Besides, if I had to have surgery in the future, would I even get enough money from the settlement to pay for a surgery???