My claim adjuster told me that after I do see the doctor and told that I'm done with all medical and healed but there is nothing else they (the doctor can do anymore then we can agree to a settlement. Also if my shoulder has not improved and will stay the same then we can settle.
Accepted means that the insurance company continues to pay for related medical treatment, unacceptable means they don't pay for any future treatment. I recommend getting their offer then consulting an attorney. An attorney should be able to get you a better settlement and should only take a fee on the extra money they can get you not on the whole settlement
Whether your claim is accepted or not, a settlement has the same effect, which is that you are paid a lump some of money and, in exchange, any right you have to additional or future benefits for the claim goes away.
Remember that the insurance company is not looking out for you and your rights. They are NOT looking to make sure you are paid fairly. On the contrary, they are actually looking to pay you as little as possible. You are at a disadvantage because this is what they do every day, so they are better at this than you.
Your best move is to consult with a local workers' compensation attorney to advise you and represent you with regard to a possible settlement. An experienced and knowledgeable workers' compensation attorney on your side will probably get you a much better result.
Best of luck.
As Noah indicated, accepted liability on a Lump Sum means that the WC insurer will pay for future reasonable necessary and related medical bills. Non-accepted means that they do not pay for future bills. Non-Accepted is usually for minor injuries or where liability(dispute is it happened or not)is an issue. It is not normal to settle a clear case, with surgery and witnesses, on a non-liability basis, and a Judge may not approve same. What makes Comp different than Tort is that you have to have a Judge or Conciliator approve the Lump Sum, and a Judge will make certain it is in your best interest!
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