Workers' comp settlement
You may have the option of negotiating a settlement on an accepted or denied claim. There are two types of settlements:
Disputed claim settlement (DCS)
What: A DCS is one way to resolve a dispute between the worker and the insurance company over the denial of a claim or condition. Under a DCS, the worker releases rights to all future benefits in exchange for a lump-sum settlement.
If a DCS occurs, the denial of the claim or condition becomes final.
When: After the insurance company denies a claim or condition, the worker and insurance company can settle at any time between the date of the denial and when it becomes final.
Claims disposition agreement (CDA)
What: The injured worker releases rights to all benefits except medical treatment and preferred worker benefits in exchange for a lump-sum settlement. Although some rights are relinquished, a CDA creates certainty for the injured worker.
When: A CDA can occur any time after a claim has been accepted. Workers who agree to a CDA but who do not have an attorney have a 30-day waiting period, also known as a "cooling-off period," to reconsider the agreement.
- You can get help through the Ombudsman for Injured Workers.
- A settlement must be approved by a Workers' Compensation Board administrative law judge.
- A settlement is not the same as a permanent partial disability (PPD) award.
- You can log in to MyClaim and check your bill amounts before you settle a claim.