How do you know if they are making a reasonable offer to close out medical? I understand their incentive to do so, but I understand how they calculate the risk.
My worker's comp claim has involved 2 shoulder surgeries with the second being reconstruction, >$100k in total medical bills, will be over 6 months off work, I'm know I'll be rated with some kind of PPD. That's an easy given. I'll hopefully be released to light duty next month and but with have therapy for several more months. I'm over the hill, but this thing will probably drag out until the end of summer. Other than the PPD rating that is a flat calculation, I know there will be some discussion of them closing medical so they can get away from all of this. With what I've been through and the level I'll be at when I'm done, I believe there is a decent risk for them in the future from their point of view to possibly pay out more and they may/should be somewhat motivated to close out and run away from me. Is there any typical rules of thumb or guide or basis of how much a reasonable close out settlement should be? Any examples?
So far I've been extremely lucky in that the WC carrier/adjuster has done nothing to steer me to any doctors or deny coverage. I've seen every primary doctor and surgeon of my choice. They've been slow to approve many things, sometimes being extremely slow and have caused additional pain and suffering in my opinion from their delays, but they've always paid and never really questioned treatment (not that anything was in question as my incident & injuries were very clear). Everything I've needed, they've paid.... eventually.