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Settlement vs. future medical
I am in California. I had a knee injury last year that resulted in surgery removing 10% of my Meniscus. I am fully recovered, no lost range of motion or anything. I have been back to work with no problems.

The medical evaluator set future medical in case of problems later. The Work comp insurance has offered me a settlement in lieu of future medical.

There is little or no risk of continued problems related to the old injury, however there is the risk of re-injury in the future.

If I injure myself later outside of work, will my private insurance deny my claim because of the pre-existing condition? What is the risk or downside of accepting a settlement under these conditions?

a re-injury is a new injury and a new claim--the old is limited to the old injury.
I can't speak for your future health insurance provider but a new injury outside of work is not the same thing and any new damage and new treatment would likely be their's.
future treatment for the old work injury would be your responsibility.
there is no way to guess future causes for treatment--any determination will have to be based on medical opinion and evidence at the time.

Reminder :
........Each state has their own comp system; POST YOUR STATE to get accurate information. Use the search feature to find information from similar questions.

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