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Hello there --
I note that it says you are seeking a "second opinion" on this matter. Whether or not you accept this settlement really depends upon what the extent of your injuries are and where you are at in your physical recovery as well as your age and level of education. Unfortunately, worker's compensation payment laws are very different from general personal injury lawsuits brought in a civil court. As a person accepting WC payments, you have actually given up your legal right to sue the employer in a regular courtroom case in exchange for a weekly or bi weekly paycheck which amounts to about 60 percent of your gross pay for the year leading up to the injury date. The payments also have a time limit of ten years (between full weekly payments and partial weekly payments if you actually get to the ten year mark without a settlement being negotiated and paid to you, then you are no longer entitled to receive a settlement or benefits each week). So the amount of money that you are "entitled" to overall actually decreases with time as you are paid out on a weekly basis and the worker's compensation board / commission in your state is responsible for hearing any complaints or disagreements between you and your employer.
So, it may be beneficial if you at least consult with a local worker's compensation attorney to determine what the average person or client would do under the same circumstances and faced with the same choices. The attorney can tell you overall what you would be entitled to in the 8 or 10 year payment limit and how much the 23K actually goes to compensate that time period and for your injury. Unfortunately, there is no such thing as being able to sue for pain and suffering with worker's compensation cases and the weekly payments made and any settlement paid are calculated based upon what you were earning every month in a paycheck -- the pain and suffering of the injury does not matter to the WC commission in charge of your case.
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