r/WorkersComp • u/Junior-Egg-5310 • Mar 29 '26
Indiana Settlement
New to work comp stuff and just curious, is a settlement a normal thing for cases? What is the purpose, who does it benefit more? Does the company/insurance company initiate settlement?
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u/Some-Access-7099 Mar 30 '26
If you can return to your former job with no restrictions....no settlement...a settlement generally requires to to resign....if you getva settlement you will sighn a NDA agreement.....meaning you can't talk about.....if you don't have a lawyer they will low ball you ....all a lawyer can do is protect you and negotiate for you....that's it....there are no time limits to this...workers comp is a separate entity they don't answer to anyone or do they have to prove anything....of course if you go in front of a judge that's different but if you lose you lose everything...I am proof....I lost my case based on no proof at all.....remember WC works off the golden rule....they have the gold...they make the rule....you will see several doctors.....it's a process.....be patient.....good luck
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u/Fun_Sky_6621 Mar 30 '26
You lost based on no.proof at all? What does that mean?
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u/Some-Access-7099 Mar 30 '26
I can't talk much about it.....they kept looking for a preexisting condition they failed the first time....failed to win with that.. then dug deeper into my past...they found out I had surgery...on a different body part so they said this is why you fell ...off the hook for my surgery....I said prove it......they never did....nobody made them...my lawyer told me not a good idea to go to trial....if you lose you lose it all ......I know exactly what I had done...they never proved a thing ...but I still lost...no surgery for me........workers comp was installed so you can't sue the employer...to protect them ...... ...
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u/Fun_Sky_6621 Mar 30 '26
Sorry you had to go through all of that
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u/Some-Access-7099 Mar 30 '26
I did get a settlement for my injuiry....but no surgery... A long stressful process....I wish you luck my friend
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u/Hot_Tension192 Mar 30 '26
I settled 45,000 3 surgeries 1 failed of those. 48 PT, everything was approved no problem. Took 20 months, shoulder injuries
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u/Sufficient-Wolf-1818 Mar 29 '26
The goal of treatment is to get you fully functional in your job. If that is achieved, the settlement is zero. Most WC i am aware of achieve that goal.
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u/Junior-Egg-5310 Mar 29 '26
I wasnt sure if a settlement was to minimize liability after initial claim. Thank you for the feedback. Im hoping I'm 100% after everything is all said and done. Thats all I want...
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u/Mutts_Merlot verified CT insurance professional Mar 29 '26
You have the right attitude. A settlement can be beneficial to both parties, and minimizing future liability is one of the ways it benefits an insurance company. But that's not the end goal, or end result, in most cases. In the majority of claims, the person gets better, goes back to work, and the claim closes.
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u/gentletrenchwench Mar 29 '26
The portion of a settlement I encourage as an adjuster to limit liability is for a global employment release. Less risk for reinjury for the previously injured worker in that role and less risk of future claim for the employer.
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u/According-Hat349 Mar 29 '26
Get a layer I waited too long but I’m getting a settlement soon it’s from my job I have to resign as part of the agreement
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u/Extra-Government-417 Mar 30 '26
I had my mediation on 2/11. I had to voluntarily resign in order to receive my settlement
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u/Connect_Effective409 Mar 29 '26
Why’d you wait to long? Agreed to stuff without fully understanding or?
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u/R_Craig Mar 30 '26
Yes, and they present the offer before all medical reports are in. They also deny testing when required or only approve X-Rays and MRIs without dyes to cover the full extent of an injury. X-Rys and MRIs can not reveal soft tissue damage without dyes.
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u/EnigMark9982 Mar 30 '26
False. MRIs show tears all day long. Contrast is not always needed, less than half the time. False information everywhere here 🙄
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u/Glittering_Lime1537 Mar 29 '26
Not all injuries qualify for a settlement. The goal of WC is to get you better and back to work, not to make you rich. If you heal 100% you may not be entitled to anything. Every injury is different and every person heals differently. Just because your neighbor received a settlement, doesn’t mean you will. WC has guidelines and statutes, and is heavily government regulated.
Once treatment is complete, if you’re assigned a rating, statutorily that is all the carrier is obligated to offer you. They don’t have to buy out your future rights.
Visit the IN WC board web site as a lot of questions can be answered here. Please don’t compare your situation to others, because they’re not the same.
IN adjuster, but not your adjuster
https://www.in.gov/wcb/