back injury

[ccssmm]

What is the name of your state (only U.S. law)? co
I have a back injury with a total body of 15% they, insurance company, has offered $5000. the dr alone for surgery would be $40,000. I have 2 herniated disks. What is a good offer?

[NLW]

More information is needed. Has surgery been performed/recommended? How old are you? What do you earn in gross wages per week? Is 15% the rating your doctor gave you?

[NLW]

Also, has your claim been accepted or denied?

[ccssmm]

I am 45, an independent dr gave me the rating of 15% and the state is colorado

[ccssmm]

my claim was accected. I received $862.00/biweekly disability.

[NLW]

Has your claim been accepted? Are there other opinions regarding your impairment rating, or has the insurance company disputed the impairment rating?

If the impairment rating is accepted, it is valued at $33,618. This is 400 weeks of benefits for the whole body x 15% for the rating x your weekly benefit rate of $431 x an age factor of 1.3 since you are 45.

I'm having trouble understanding the offer of $5000. Is this to close out the medical because your impairment rating has already been paid? Or is your claim disputed, and this is to resolve the matter on a disputed basis?

[ccssmm]

The $5000 is to close out the case. I have refused the offer of $5000 and they would like for me to come up with a counter offer

[ccssmm]

The insurance carrier is not disputing the rating and have accepted it

[NLW]

So they've paid the rating already?

[ccssmm]

I receive a biweekly check for the loss. They are wanting to close the case and they want to pay a final and full settlement

[NLW]

You are under no obligation to settle your claim. If you chose to do so, you need to figure out how much of the impairment has already been paid to know what the balance is.

[campguy]

Do you have an WC Attorney? It should'nt cost you anything just to talk to one. Does your Ortho Dr say you need surgery? Have you seen a IME dr yet? Have you thought about a medical set aside before you settle? Once you settle your case, everything is out of pocket.... I would talk to a WC AA before I do anything.

GOOD LUCK**************.....

[pmorrison2588]

Well there are a number of questions that you need to answer first, to get your query answered. We need more details, that the above members have mentioned about. Please provide me with them first.

[Blue Meanie]

Originally Posted by pmorrison2588

Well there are a number of questions that you need to answer first, to get your query answered. We need more details, that the above members have mentioned about. Please provide me with them first.

Since you absolutely don't know what you are talking about, per your posting history...What would be the point??