Q: Received a settlement proposal for wc claim. It includes $1,000 extra for med benefits closure. Can I refuse that part?
Injured knee at work - required surgery. Now I have received a settlement proposal based on % "impairment rating" plus they added $1,000.00 lump sum payment in consideration of agreement to close the right to future medical treatment. Not comfortable with this. Would rather refuse the $1,000.00 to keep ability to receive future medical treatment. Will my health insurance cover any future injury to same leg?
A: The insurance company cannot force you to settle the future medical benefits at any time. You can advise them you will agree to the permanent partial disability benefit based on the impairment rating and you decline their offer to close your medicals. They will be responsible for reasonable and necessary medical treatment for this injury for your lifetime pursuant to the Tennessee Workers' Compensation Act. They will not necessarily be responsible for future treatment involving another injury to the same leg.
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