You’ve been injured, gone through treatment, and now the insurance company is offering you a settlement. It might even sound pretty decent—enough to cover some bills or put money in the bank. But here’s the truth: once you settle, you can’t go back. And if you’re not careful, you could be signing away future benefits without even realizing it.
What does a workers’ comp settlement actually mean?
In South Carolina, a workers’ compensation settlement usually means you’re accepting a lump-sum payment in exchange for closing your claim—sometimes partially, sometimes entirely.
There are two common types:
Compromise Settlement (Form 16A): Usually used when there is a dispute or when future treatment is uncertain.
Clincher Agreement: A full and final settlement. It often closes your case forever—including your right to future medical care for the injury.
Why settling without a lawyer is risky
Here’s what most injured workers don’t realize before signing:
You may be underpaid for permanent disability you don’t even know you have yet.
Your settlement might not cover future surgeries, physical therapy, or medications.
The insurance company is looking out for their bottom line, not your long-term recovery.
The paperwork often includes complex legal language that waives important rights.
Ask yourself:
Have you reached Maximum Medical Improvement (MMI)?
Has your doctor fully assessed your long-term prognosis?
Do you understand how your injury affects your ability to work now—and in the future?
Has the settlement been reviewed by someone who works for you, not the insurance company?
Before you sign anything—get advice.
At Martin & Martin, P.A., we’ve reviewed hundreds of settlements and helped clients avoid costly mistakes. A quick, free consultation could save you from giving up benefits you’ll need down the road.
If you’ve been offered a workers’ comp settlement, don’t go it alone. Call us today for a free review. We’ll make sure you understand what you’re signing—and whether it’s truly in your best interest.