I think possibly what you are suggesting is that you can settle out your future medical in workers compensation and still get your private insurance to cover treatment for your injuries under the Affordable Care Act. The answer is we don't know how the act will be interpreted but its certainly possible.
With respect to your question about how much money you will receive, there are a lot of variables that play into the equation. Is the insurance company willing and interested in settling out your future medical? If so, they will take into consideration what the average cost is for a lifetime medical treatment plus the QME rating. The QME rating may change as he/she should review the MRI.
With regard to how long will it take? Well as soon as 60 days and as long as a year if you are done pursuing medical treatment. The workers compensation process is long, I don't know enough about your case to give a timeframe.
This is something you need to consult an attorney for. 10% PPD for the knee when you don't have an ACL after surgery seems like a low rating. The period of time you are allowed to collect benefits is different from state to state but before settling you need to consider things like future medical care, future surgery and more important your future work capacity. IF you settle your case you foreclose the possibility of having your employer's insurance pay for future medical treatment. Before settlign your case you should consult a workers compensation attorney in your area, use the Find A Lawyer feature here to find an attorney in your area for a consultation. Good luck.
This response is to a question posed in what is considered to be a hypothetical situation. The response is for educational and reference purposes only and should not be relied upon as legal counsel. No fees are to be exchanged for this response and the attorney/client relationship has not been established in this context. You should contact an attorney within the jurisdiction of this matter for legal counsel.
10% WPI sounds low for this type of injury. I think you really need to consult with a good WC attorney in CoCoCo. He needs to look into Guzman analysis and a DFEC analysis. There are some great WC attorneys in Pleasant Hill and in San Ramon. Give them a call.
The affordable care act should not impact your case. But you should hire a WC attorney. In my experience, your chances of getting a good settlement are increased when you have help. You can get a free consultation from someone out in CA.
I am sorry you are in so much pain.