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I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear about your situation.
If you sign the settlement, you are agreeing that $15,000 is all the money you want for the accident and waiving your right to request more. That would mean you're giving up your right to sue in Small Claims Court or to file with the Commissioner's Office. Also note that $100,000 is well over the Small Claims Court limit.
One option is to go back to your lawyer and let them know you're refusing to accept that settlement because of the additional surgery required. Another option is to ask him to add a clause to your settlement agreement allowing you to seek additional damages related to the surgery later. Or you could choose not to settle until after you've received the settlement, if you have time before the statute of limitations expires.
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