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Welcome to the legal view with Ferrand Farah I'm Eddie Farah and with me in today's mr. Bruce Pfeifer who supervises our workers compensation Department Bruce got a question for you today tell us about what's entailed in settling a worker's comp claim well once you settle your workers compensation case you are trying to resolve the case to get you more freedom from the stringent workers compensation system under the system you have to see the employer carriers doctors and so by settling your claim for a lump sum you're getting more freedom to pick your own doctors and and take control of your case and take control of your life so that's one of the most positive things about some settling your workers comp case the value of your case is based upon the future exposures so taking the time when you're settling the case forward what's expected into the future you need to interview your doctors and get information as to whether there's gonna be future surgeries injections for pain management prescriptions and what this costs are to determine the value of the claim also if you're unable to return to your past work the vocational rehabilitation and the cost for that can be factored into the settlement the insurance company is responsible for paying you lost wages up to 52 weeks if you do attend a program approved by the state of Florida to vocationally rehabilitate you so Bruce the more future medical expenses and the more lost wages you have in the future results in a higher settlement with the workers comp claims that great most most definitely say are you involved in trying to determine those amounts right we write to the doctors to get this information regarding the future medical care that's involved additionally if somebody's receiving Social Security Disability we have to even have more thorough information gather because a Medicare set-aside known as an MSA will need to be set up for approval by Medicare what are the repercussions of settling your workers comp claim there really are no repercussions the way I see it as as the current law exists under the current law the insurance company has a lot of control over your mat treatment by settling your case you take back control of your life you get to pick your own doctors using the settlement proceeds from the insurance company or even better if you have new employment or if you are on Social Security potentially you have Medicare or other insurance that will cover the medical treatment and then you can use those settlement proceeds to assist you in other facets of your life one last question I have is are those settlement proceeds taxable no the settlement proceeds are tax-free thanks a lot Bruce and thanks for watching the legal view.