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Debbie: I'm not sure what the Ohio rates are. I would look at the present value of weekly payments over the employee's lifespan and compare that with the lump sum offer and see what is bigger. I'd also look at what a structured settlement would provide purchased with the lump sum proceeds. Caveat-This is not legal advise and should not be relied upon.

Hi Alvin: Debbie from Dr. Conomy's office here. I have a big question on settlement values for a work injury. What is usually the highest settlement that a person could get when he is MMI and can never be retrained or able to work again in his life. Would it be better to take a settlement or permanent total???? And will it effect SSD payments if we receive a settlement?? Ohio.