MSA. PD and C&R

[casual1]

I have been injured since 2005. I have not been paid PD by the carrier, even though they agree with the AME report performed in November 2011. Now that want to pay my PD in June 2012, want a MSA, want to do a C&R. The MSA is less than 25K, not a required by CMS.
I am owed PD plus penalities. Same with Mileage plus penalities.
Will the C&R include everything (PD, penalities, Future Medical, Mileage, etc.)
I have an E-Mail from DA stating that they are paying me X amount for PD (no penalities) in a check today, then state the MSA is worth 20K, going through the process.
Will the C&R total include the PD plus the MSA total or one total.
Lets say I get 5K for PD and the MSA is worth 20K. Will the C&R be for 25K or 20K? Is the C&R for the total case or just for future medical?