I have at least 20% permanent disability to my shoulder as the result of a massive rotator tear.
The surgeon hasn't written the final paper yet but has told me at least 20%.
My question is, how does the insurance company pay out the settlement ?
My insurance guy said they have to pay in installment payments at the rate of $1,300 something a month, said it changes each year how much they can pay monthly.
I asked him why they can't pay it all in one lump sum and he replied, "I don't know why"
I'm looking at around 35K and don't want to be paid over 2 and a half years.