I am a 55 year old female who sustained a back injury in 2012. I have had to fight since then for everything that I have gotten from the insurance company, which has been very little. To date I have received no medical "treatment". I have been seen and poked on by 10 orthopedic surgeons and referred to a pain management doctor. The case was settled for a paltry sum, and lifetime medical. At the time of the settlement, the insurance company's attorney assured me, my attorney and the judge that I would receive my appointment with the pain management doctor. Now, 6 months later, nothing. For the past 3 months we have been trying to get before the judge about this. Now, the attorney has sent a letter asking for a demand for a cash settlement amount for all future medical benefits. How is this dollar amount calculated?