future medical buyout

[janisb]

I have had surgery on both rotator cuffs-both major repairs, both also acromioplasty. No frozen shoulder, both w/c, 30 to 36 physical therapy sessions each. I'm in California. First surgery about 7 yrs ago, second 2 yrs ago. Received p&s settlements both times. Ins. very cooperative. I did not feel the need to have an atty due to newer, mega-specific Cali wkr cmp regs. Only further medical care I've needed is occasional ibuprofen. Now, insurer is offering $7000 buyout for future medical. Only wk restriction is weight limit for lifting. I'm 60 yrs old. Does anyone know if this is a reasonable offer for both shoulders or one shoulder? I'm kind of a babe in the woods about this sort of stuff. thanks for any help i can get.

[1171]

I'll give it a shot...

are you saying all disability has been paid out on both claims?
I assume the $7K is for both claims. do you know?
when was your last medical visit and what did the doc say?
I assume your treatment the last year has been minimal as far as doc visits x-rays etc.?
are you working?
are you on medicare or will be in the next 18mths?

[janisb]

All disability has been paid on both claims. I haven't seen dr about 1st surgery in about 6 yrs w/30 lb prm liftng restriction.
Last seen for second shoulder about 2 yrs ago, no perm restrictions. I'm on state disability currently, but nothing to do with this. Not on medicare.
I don't know whether $7k is for one or both, as they were two separate cases.Only medical care I've needed on either one is occasional ibuprofen. Thank you for your reply.

[Bummer Knees]

Never would I consider or recomend a medical buyout.

You never know what the future will hold for you with the need of future medical treatment.

[1171]

i really question a "no impairment finding" after serious shoulder surgery.
...but with such a clean result and little or no treatment recently I doubt you will need much in the future unless there is a new injury.
the $7,000 is a reasonable amount for any permanent disability (about 10%) if you were to get it rated.
If it's the same employer and same carrier, I suspect they will include both claims in the compromise & release.
I would probably accept the offer.

[janisb]

(05-24-2011 06:01 PM)1171 Wrote:  i really question a "no impairment finding" after serious shoulder surgery.
...but with such a clean result and little or no treatment I doubt you will need much in the future unless there is a new injury.
the $7,000 is a reasonable amount for any permanent disability (about 10%) if you were to get it rated.
If it's the same employer and same carrier, I suspect they will include both claims in the compromise & release.
I would probably accept the offer.


That's pretty much what I am inclined to do. I've really had very few minor and no major problems. I think it's because they authorized so much extra phys therapy after each surgery. Thank you for sharing your knowledge.

[1171]

you're welcome.
hope all works out well for you.

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