I cannot tell you about MA waivers. In New York, they do not automatically bar a case. You can only waive inherent risks that you were aware of. ...

Once offered a deal from defendant's insurance, how long does your underinsured insurance company take to approve the offer?

30 days to consent. Otherwise, there are options available if they don't consent or withhold consent

Lost Wages how long to receive after submitting disability letter?

Is a car accident? No fault? need more details

Do you think I have any legal recourse from being sent home when they had seen I had negative reaction before leaving hospital?

Possibly, but I am not sure if the total damages is worth an expensive and protracted med mal lawsuit.

How long does the victims family have to sue for wrongful death?

Depends on your state. Find a NH attorney.

I"m concerned, since I'm close to broke: If I lose, do I have to pay the other side's lawyer or court fees?

Depends on the state. In NY, you could be liable for "costs" if you lose a case. Contact a CA attorney for more info

Can I sue for false accusation and/or defamation or on any other basis?

Where is the claim? I don't see one.

Have you ever used an expert witness directory? What were the negative aspects of your experience?

Yes, but I find that you overpay if you use the service they come with. It is better to find one from word of mouth from another attorney you know.