Injured in Nov 2007

[1171]

generally only physicians can authorize disability - a physical therapist would not be considered a treating physican and their work restrictions or off word orders would not be considered valid unless confirmed and supported by a licensed phyician.
most claims end in full recovery and no settlement is paid. only those where permanent impairment or permanent loss of earning capacity is found is there an entitlement to additional payments.
Again this depends on which state laws your claim is under.