Injured August 2011, fell on stairs, tore R rotator cuff; had MRI which showed 8mm tear, had 3 weeks of physical therapy and surgery offered as an option. Did not have surgery. Rated 4% loss of R shoulder, deemed permanent & stationery about a year ago. Earned $1627 wk at time of injury, paid $2990 perm disab indemnity, Zurich paid $338.59 total in medical bills. C&S of $12,010 offered. Is this a fair / typical settlement?
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