I have read your message twice. I'm not sure what your question is.
Are you in NSW?
Ok. Under workers compensation, there are three main limbs:
1. lump sum compensation based on whole person impairment assessment.
2. weekly benefits for as long as you are unable to perform your pre-injury duties and/or earn your pre-injury income
3. medical expenses
If the form you are completing is a COMMUTATION form, then 1,2 and 3 are wrapped up into a lump sum and it terminates the relationship between the injured worker and the insurer. It is very difficult to commute your entitlements and one of the first conditions you have to meet is being assessed as having a WPI greater than 15%
If you have received an offer of lump sum compensation for whole person impairment, then entitlements 2 and 3 above still remain alive.
If you are in doubt, you should consult a solicitor so they can act on your behalf. The most important thing is that if you go and obtain independent legal advice, the insurer is obliged to pay your legal fees so it becomes a matter between the solicitor and the insurer. The Solicitor is NOT allowed to charge you legal fees for acting on your behalf although if medical reports are required, they may ask you to pay for those. Any monies paid for reports is reimbursed at the completion of the matter provided you are successful.
I trust this helps. If so, please accept.
Thank you for your practical advise and useful feedback. It's insightful and will assist me to proceed.
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