If you become temporarily or totally disabled and unable to work as a result of work injuries, you should be compensated. If you end up with a permanent partial disability, the worker’s comp insurance company should offer you a settlement that will help to offset any future earning losses that you incur.
On the other hand, if you end up with a permanent total disability, you’ll likely receive a settlement offer. When insurance companies offer settlements they normally come with the caveat that you will give up any right to future compensation from them.
So, if you’re going to accept a settlement offer, make sure that you speak with a worker’s compensation lawyer before you sign anything.