You have an "election of benefits" to make at some point. Usually, the rating money is the smallest benefit you can choose, which is why the insurance company will offer it. But you were hurt before the 2011 legislative reforms, so you potentially have lifetime total disability benefits if you are unable to return to work. I have posted a "legal guide" about the PPD Ratings so you may want to look at that for more information. You really need to sit down with a Board Certified Specialist in Workers' Compensation law and get a free consultation so that you will know your rights and obligations.
This answer is intended as general information and not as specific legal advice. If you want to have a free consultation with me, please contact me through AVVO.
Way, way, way too complicated a question to answer here. You need to meet with an attorney face to face and go over your claim. Your case goes far beyond ratings as your future medical care needs to be very seriously considered along with your wage loss and a host of other issues.
I am happy to listen to any questions you have.
There is no way anyone can help you without comparing/contrasting what are distinct injuries, and what are degeneration over time from parts falling off and failing.
We give free general concepts to be helpful, but you should give ALL your facts to a licensed Attorney in your state before you RELY upon any legal advice.
I agree with Mr. Shapiro. I would only add that before you can be rated the injury has to be at maximum medical improvement (MMI). In other words everything has been done and despite the therapy, medications, and surgery, you still have suffered a permanent loss of a body part.
This response is meant to be information only and should not be considered to be legal advice. This information is not meant and should not be construed to be the formation of an attorney client relationship. I practice Virginia Workers compensation law and Social Security Disability law.
I also agree with Jesse. You really need to sit down and speak with an attorney who is a Board Certified Specialist in Workers' Compensation. With so many injuries, any return to work will be very complicated and could take a long time. You also need to discuss the interaction of SSD (if you begin receiving those benefits) and your workers' compensation.
Most workers' comp. attorneys offer a free initial consultation and do not charge any up-front or hourly fees.