Lump Sum Settlement Colorado Workers Comp – Pros, Cons, and Timing Strategies

This guide is for Colorado workers who have been injured on the job and are considering whether to accept a lump sum settlement in their Colorado workers comp case. It covers the pros and cons, timing strategies, and the legal process, helping you avoid costly mistakes and make an informed decision about your financial future. If you’re considering a lump sum settlement Colorado workers comp case, you’re facing one of the biggest financial decisions of your life. The Colorado Workers' Compensation Act is the foundational statute that governs workers' compensation rules, rights, and obligations in Colorado. Workers' compensation in Colorado provides benefits to employees injured on the job, covering medical expenses, lost wages, and disability. A lump sum settlement can mean immediate relief—or a costly mistake you can’t undo. This guide breaks down everything you need to know about lump sum settlements in Colorado workers compensation cases, from timing strategies to common pitfalls, so you can make an informed choice.

Types of Workers’ Compensation Benefits in Colorado

The types of benefits available under Colorado workers' compensation include:

• Medical benefits: Cover the cost of medical treatment, including doctor's appointments, hospitalizations, medications, and therapy.

• Temporary disability benefits: Provide partial replacement of lost wages while an employee is unable to work due to a work-related injury.

• Permanent partial disability benefits: Awarded to employees who have a permanent impairment but can still work in some capacity.

• Permanent total disability benefits: Awarded to employees who are unable to return to any gainful employment due to a work-related injury.

Understanding these benefits is essential before considering a lump sum settlement, as each type of benefit may be affected by your settlement decision.

Key Rules and Requirements for Lump Sum Settlements in Colorado

Before you decide whether to accept a lump sum settlement, it’s important to understand the key rules and requirements that apply in Colorado:

1. Lump sum settlements are a one-time payment: A lump sum settlement is a one-time payment made to an injured worker in compensation for their injury.

2. Timing: You can only request a lump sum payment after six months have passed from the date of your injury in Colorado.

3. Discount rate: The insurer applies a 4% annual discount rate to account for the present value of money when a lump sum is taken instead of weekly payments.

4. Future medical expenses: The lump sum payment must be sufficient to cover future medical expenses if ongoing treatment is anticipated after the claim closes.

5. Medicare beneficiaries: If you are a Medicare beneficiary, a portion of the settlement must be allocated for future medical expenses to avoid compromising eligibility.

6. Statutory caps: The total lump sum amount you can receive in Colorado is capped by law, with specific limits adjusted annually on July 1st. For injuries occurring between July 1, 2025, and June 30, 2026, the maximum lump sum for an individual is $128,851.00 based on impairment ratings.

7. No future payments: When a worker accepts a lump sum settlement, they agree to forgo any future payments from the employer or its insurer.

8. Immediate financial relief: Lump sum settlements can provide immediate financial relief, which may be beneficial for urgent expenses.

9. Lump sum vs. structured settlement: Choosing between a lump sum and a structured settlement requires careful consideration of the injured worker's financial needs and future medical expenses.

10. MMI recommendation: It is highly recommended to reach Maximum Medical Improvement (MMI) before considering a lump sum to ensure it covers future needs.

11. Taxation: Generally, workers' compensation settlements in Colorado are not taxable, though it is advisable to confirm with a tax professional.

12. Full and final settlements: A full and final settlement in Colorado means you cannot reopen the claim or receive further medical care, making an accurate, comprehensive valuation essential.

13. Small lump sum option: You can request up to $10,000 as a small lump sum once a carrier admits for permanent partial disability benefits, even if contesting your disability rating.

14. Settlement calculation: Settlement amounts in Colorado workers' compensation cases depend on the type and severity of the injury, the employee's pre-injury wages, and the extent of the employee's disability.

With these rules in mind, let’s explore how lump sum settlements actually work in Colorado workers’ compensation cases.

How Lump Sum Settlements Work in Colorado Workers’ Compensation

Understanding the mechanics of a lump sum settlement Colorado workers comp case requires knowing what actually happens when you agree to close your claim. The process begins with a worker's claim, which must be properly filed and thoroughly documented from the outset. It’s not as simple as accepting a check—there’s a legal process that, once complete, permanently changes your rights.

What Is a Lump Sum Settlement?

A lump sum settlement is a one-time payment made to an injured worker in compensation for their injury. This differs from simply having your claim “closed” after you’ve collected all owed benefits. A true settlement involves a negotiated compromise.

What Is a Structured Settlement?

Structured settlements involve payments made over a period of time rather than a single lump sum. Some Colorado settlements involve annuity-based structured settlements, but most injured workers in Pueblo and surrounding counties see either biweekly checks or a negotiated lump sum.

Settlement Approval Process

Most Colorado workers compensation settlements are written as “full and final” agreements. This means you’re trading your right to future workers compensation benefits—often including both wage loss payments and future medical care—for an agreed-upon sum today.

Here’s what the approval process looks like:

1. The settlement agreement must be submitted to the Colorado Division of Workers Compensation or reviewed by an administrative law judge.

2. The judge or Division confirms you understand what you’re waiving—but they don’t renegotiate the amount for you.

3. Once approved, the settlement becomes binding, and the insurer typically must pay within 20 days.

What Does Full and Final Mean?

A full and final settlement in Colorado means you cannot reopen the claim or receive further medical care, making an accurate, comprehensive valuation essential. Once you accept a lump sum, you forgo any future payments from the employer or its insurer.

Key Documentation Steps

Timely documentation and careful management of the injured employee's case—including every medical visit and all communications—are crucial for a successful workers' compensation claim.

Settlements are usually negotiated after you’ve reached maximum medical improvement (MMI), which is when your authorized treating physician says your condition has plateaued and further treatment won’t substantially improve your situation.

A well-structured settlement typically accounts for:

• Unpaid permanent partial disability or permanent total disability benefits

• Future medical needs (which insurers routinely underestimate)

• Disputed issues like causation, work restrictions, or your impairment rating

• The present value calculation that discounts future payments

Johnston Law Firm, LLC carefully analyzes each of these components before recommending any settlement to a Pueblo or Southern Colorado worker. What looks like a generous offer from the insurance company often leaves significant value on the table.

Now that you understand how lump sum settlements are structured, let's compare them to ongoing weekly or structured payments.

Lump Sum vs. Weekly/Structured Workers’ Comp Payments in Colorado

Many injured workers face a choice between continuing periodic benefit checks or accepting a single lump sum payment. This decision has long-term consequences that extend far beyond your immediate cash needs.

Full Lump Sum Payment

• You receive a one-time check (or series of checks) that closes out some or all of your workers compensation benefits.

• The amount represents the “present value” of future payments—meaning it’s discounted using a 4% annual interest rate under Colorado law.

• Payment typically arrives within 10-20 days after approval.

• Your claim is closed, and you assume responsibility for managing the funds.

Ongoing Weekly/Biweekly Structured Payments

• Temporary total disability or permanent partial disability benefits continue on a regular schedule.

• Payments may continue for months or years, depending on your injury and circumstances.

• Benefits can be modified based on new medical opinions, return-to-work status, or other developments.

• You retain the option to request a lump sum for permanent disability benefits after six months from your injury date.

The core trade-off: Lump sum settlements give you certainty and control now but remove protection later. Continued payments can be safer for workers with long recoveries, unstable medical conditions, or uncertain return-to-work prospects.

The Johnston Law Firm analyzes both options with every client, examining how each affects your monthly budget, access to medical care, and long-term financial security before making any recommendation.

Next, let’s address the practical question: should you take a lump sum settlement in Colorado?

Quick Answer: Should You Take a Lump Sum Settlement in Colorado?

Let’s cut to the chase. Whether a lump sum makes sense depends entirely on your specific situation, but here’s a practical starting point for injured workers weighing their options.

A lump sum settlement may make sense if:

• You have reached maximum medical improvement and your treating physician determines your condition has stabilized

• You have a clear impairment rating and understand your permanent disability benefits

• You need immediate funds to pay off medical bills, mortgage arrears, or other pressing debts

• You want financial control and closure rather than ongoing dealings with the insurance carrier

• Your case involves disputed issues where settling now locks in a certain recovery

After a work-related injury, it’s crucial to seek medical care promptly from an authorized healthcare provider and report your injury to your employer as soon as possible. To secure benefits under Colorado workers’ comp, you must report your injury promptly, seek medical care, and file a claim with the Colorado Division of Workers' Compensation. Taking these steps ensures you are eligible for medical expenses, wage replacement, and disability benefits.

You probably should NOT settle yet if:

• You have a serious or progressive injury (back, neck, traumatic brain injury) that may require future medical treatment

• You haven’t completed recommended diagnostic tests like MRIs or EMGs

• Future surgeries or major procedures are still being discussed

• There’s an active dispute about your permanent impairment rating

• You haven’t consulted with an experienced workers compensation attorney about your case value

Here’s the critical point many injured workers don’t realize: In Colorado, most workers cannot reopen a fully settled claim if the condition worsens later. Exceptions exist only for fraud or mutual mistake—and “I didn’t know it would get this bad” doesn’t qualify.

No worker in Pueblo, Otero, Fremont, Custer, Huerfano, Las Animas, or Crowley County should sign a lump sum agreement without understanding exactly what they’re giving up. The stakes are simply too high.

Ready to get a professional evaluation of your settlement options? Call Steve Johnston at (719) 309-9484 or message us online for a free workers comp settlement review.

With the basics covered, let’s look at the critical role of Maximum Medical Improvement (MMI) in the settlement process.

Maximum Medical Improvement (MMI) and Its Role in Settlements

Maximum Medical Improvement (MMI) is a pivotal moment in any Colorado workers compensation claim. Simply put, MMI is reached when your treating physician determines that your medical condition has stabilized and is unlikely to improve further with additional treatment. This doesn’t necessarily mean you’re fully recovered—it means you’ve reached the best possible outcome for your injury, according to medical science.

Why MMI Matters for Settlements

Reaching MMI is significant because it often marks the transition from receiving temporary disability benefits to evaluating your eligibility for permanent disability benefits. At this stage, your doctor will assess whether you have any lasting impairment and, if so, assign an impairment rating that directly impacts your workers compensation benefits moving forward.

For many injured workers, settlement discussions begin in earnest once MMI is reached. That’s because the full extent of your injury—and its impact on your ability to work—can finally be measured. An experienced workers compensation attorney can help you understand how MMI affects your claim, ensure your rights are protected, and advocate for fair compensation that reflects both your current condition and any future medical needs.

In Colorado, the determination of MMI is crucial for calculating permanent partial disability benefits and permanent total disability benefits. It also signals the end of temporary disability benefits, so it’s essential to have a clear understanding of your medical status before considering any settlement. If you’re unsure whether you’ve truly reached MMI or how it impacts your workers compensation settlement, consulting with a knowledgeable attorney can make all the difference in securing the benefits you deserve.

Now that you know why MMI is so important, let’s examine how impairment ratings are determined and how they affect your benefits.

Impairment Ratings and Disability Benefits in Colorado Workers’ Comp

Impairment ratings are a cornerstone of the Colorado workers compensation system, serving as the basis for determining the extent of your permanent disability and the amount of benefits you may receive.

How Impairment Ratings Are Determined

After you reach maximum medical improvement, your treating physician—or sometimes an independent medical examiner—will evaluate your condition and assign an impairment rating. This rating reflects the percentage of permanent loss of function resulting from your work-related injury.

Navigating the impairment rating process can be complex, and insurance companies may not always agree with your doctor’s assessment. That’s why many injured workers turn to an experienced workers compensation attorney to ensure their impairment rating accurately reflects their injuries and future medical needs. A skilled attorney can help you challenge a low rating, gather supporting medical evidence, and advocate for the maximum benefits available under Colorado workers compensation rules.

Impact on Benefits

The impairment rating is more than just a number; it’s a key factor in calculating your permanent partial disability benefits or, in severe cases, permanent total disability benefits. In Colorado, the higher your impairment rating, the greater your potential financial support through workers compensation benefits. The rating is multiplied by a set number of weeks, as outlined in Colorado workers compensation laws, to determine the total value of your settlement or ongoing benefits.

Understanding your impairment rating is essential for planning your financial future, covering medical expenses, and replacing lost wages. By working with a knowledgeable attorney, you can be confident that your workers compensation claim is handled properly and that you receive the full range of medical benefits and financial support you’re entitled to under Colorado law.

With impairment ratings explained, let’s weigh the pros and cons of taking a lump sum settlement in Colorado.

Pros and Cons of Taking a Lump Sum Settlement in Colorado

Here’s an honest assessment of what you gain—and what you risk—by accepting a lump sum under Colorado law.

Advantages of Lump Sum Settlements

• Financial flexibility and immediate access: You get money now to pay off medical expenses, catch up on mortgage payments, or eliminate high-interest debt that’s compounding while you wait.

• Control over your funds: Rather than waiting for periodic checks from the insurance company, you decide how and when to use your settlement, whether for retraining, moving expenses, or home modifications.

• Closure and relief: No more battles with adjusters, utilization review hassles, or scheduling medical appointments through the insurer. Your claim is done.

• Securing value from disputed claims: If there’s a genuine question about whether your injury is work-related, your degree of impairment, or your ability to work, a settlement locks in recovery rather than risking an adverse ruling.

Risks of Lump Sum Settlements

• No do-overs: Once you sign a full and final settlement agreement in Colorado, you generally cannot reopen the claim if your workplace injury gets worse. This is the single biggest risk.

• Underestimating future medical: If you need surgeries, injections, or ongoing medical treatment down the road, you’ll pay those costs out of pocket. Insurers rarely offer enough for future medical needs.

• Rapid fund depletion: Without a realistic budget, large lump sums can disappear quickly, leaving you without financial support when you need it most.

• Premature settlement risk: Settling before maximum medical improvement or before getting an independent medical opinion can lock you into a settlement that doesn’t reflect your true level of disability.

The “right” answer differs dramatically based on your situation. A young construction worker in Pueblo with a severe back injury faces very different considerations than an older office worker in La Junta with a relatively minor wrist injury.

Not sure which option fits your situation? Discuss your unique circumstances with Steve Johnston at (719) 309-9484 or send us a confidential message online for a free settlement risk-benefit analysis.

Now that you know the pros and cons, let’s talk about when it’s smart to settle your Colorado workers’ comp case.

Timing Strategies: When Is It Smart to Settle Your Colorado Workers’ Comp Case?

In Colorado, when you choose to settle can be as important as how much you settle for. Timing affects both your leverage and your ability to accurately value your claim.

The statute of limitations for filing a workers' compensation claim in Colorado is generally two years from the date of your injury or the date you learned of your occupational disease. This means that if your claim involves an occupational disease, the two-year period typically starts when you become aware of the disease, which can impact your settlement timing.

Generally Wait Until:

• You have reached maximum medical improvement: Your authorized treating physician should confirm that your condition has plateaued and further treatment won’t substantially change the outcome.

• You have a clear written impairment rating: This document from your treating physician determines your permanent impairment and directly affects your permanent partial disability benefits.

• You’ve obtained an Independent Medical Examination when appropriate: If you disagree with your impairment rating, a second opinion can strengthen your negotiating position or support a hearing.

Do Not Settle Yet If:

• It’s the first few months after a serious injury: You simply don’t know enough about your long-term prognosis.

• Recommended diagnostic tests haven’t been completed: MRIs, EMGs, and specialist evaluations may reveal conditions that dramatically change your case value.

• Future surgeries or major procedures are being discussed: Settling before knowing whether you need surgery is a recipe for disaster.

• Your impairment rating is being disputed: The difference between an 8% and 15% whole person impairment rating can mean tens of thousands of dollars.

Under Colorado law, workers can request a lump sum for accepted permanent disability benefits six months after the injury date. However, accepting a statutory lump sum payment without negotiating additional value can reduce your total recovery due to the 4% present-value discount.

Strategic Considerations

• Work status changes: An impending return to work, termination, or forced light duty can affect settlement value.

• Age and transferable skills: These factors can shift a case from a permanent partial disability to a potential permanent total disability claim.

• Insurer behavior near hearings: Offers often increase as hearing dates approach because insurers want to avoid uncertainty.

Steve Johnston, as a Pueblo-based workers compensation lawyer, evaluates both medical timelines and legal deadlines before advising any client in Las Animas, Huerfano, Fremont, or any other Colorado county to settle.

With timing strategies in mind, let’s discuss whether you can reopen your Colorado workers’ comp case after a lump sum settlement.

Can You Reopen Your Colorado Workers’ Comp Case After a Lump Sum Settlement?

“Reopening” is one of the most misunderstood concepts in Colorado workers compensation law—and misunderstanding it can cost you everything.

If your case was closed by a Final Admission of Liability (not a full settlement), you may sometimes request reopening for:

• Worsening of your condition

• Error or mistake in the previous award

• Other grounds permitted under Colorado statutes

However, if you sign a full and final settlement agreement that resolves future medical care and lost wages, you almost always waive the right to reopen for worsening conditions. The claim is done.

Limited Exceptions That Rarely Apply

• Proven fraud by the insurer or employer in procuring the settlement

• Mutual mistake of material fact that goes to the heart of the settlement agreement

Here’s what doesn’t qualify: “I didn’t realize my injury would get this bad” or “I should have asked for more money.” These are not grounds to reopen a settled claim.

This is precisely why timing and careful evaluation of future medical needs are critical before signing any workers compensation settlement in Pueblo or anywhere in Colorado. Once you sign, the door closes.

If you’re worried you settled too cheap or have questions about whether reopening options exist in your case, don’t wait. Call (719) 309-9484 or contact Johnston Law Firm online right away—deadlines to challenge prior orders can be strict.

Next, let’s look at how much your Colorado lump sum workers’ comp settlement might be worth.

How Much Is My Colorado Lump Sum Workers’ Comp Settlement Worth?

Every injured worker wants at least a ballpark sense of what their case might be worth. While no online calculator can replace a case-specific analysis, understanding the factors that drive settlement value helps you evaluate any offer.

Main Factors That Influence Lump Sum Value

• Average weekly wage (AWW): Your pre-injury wages at the time of injury establish the baseline for all benefit calculations.

• Type of disability: Temporary disability benefits, permanent partial disability benefits, and permanent total disability benefits all calculate differently and have different statutory caps.

• Impairment rating: The percentage assigned by your treating physician, and whether it’s for a scheduled body part or whole person impairment.

• Age and work restrictions: Younger workers with severe restrictions may have claims worth more due to longer periods of wage loss.

• Ability to return to work: Whether you can return to your previous job or perform any work significantly affects case value.

• Strength of medical evidence: Clear documentation linking your condition to the work-related injury strengthens your position.

What Colorado Law Says About Maximums

• Colorado uses statutory caps for certain benefits.

• Current maximums for lump sums on permanent disability benefits are approximately $80,868.10 for a single claimant and $161,734.15 for multiple dependents. These figures adjust annually for inflation.

• For injuries occurring between July 1, 2025, and June 30, 2026, the maximum lump sum for an individual is $128,851.00 based on impairment ratings.

• Lump sums represent the “present value” of future payments, meaning insurers push to discount using a 4% annual rate. A $100,000 stream of periodic payments might become roughly $96,000 as a lump sum payment—or less if insurers negotiate aggressively.

Catastrophic injuries matter: Serious automobile accidents on the job, falls from height, or heavy equipment incidents can justify significantly higher settlements, especially when combined with Social Security disability benefits.

Johnston Law Firm doesn’t rely on generic “average settlement” charts. Steve evaluates medical records, wage information, and long-term employment impact for each Pueblo or rural Colorado client.

Want a personalized settlement estimate? Call (719) 309-9484 or use our secure online contact form to request a free evaluation.

Now, let’s see how your workers comp settlement interacts with other benefits and why coordination is crucial.

Coordinating Lump Sum Settlements with Other Benefits (Social Security, Personal Injury, and More)

Your workers comp settlement doesn’t exist in a vacuum. It interacts with other benefits you may receive, and mishandling these connections can reduce your overall financial recovery.

Social Security Disability (SSDI) and SSI

• A poorly drafted workers compensation settlement can trigger Social Security “offsets,” reducing your monthly SSDI payments.

• Careful settlement language can sometimes spread the lump sum over your expected lifetime to minimize the offset.

• Coordination requires understanding both workers comp and Social Security law—which is why having legal counsel experienced in both areas matters.

Personal Injury and Automobile Accident Claims

• If a third party caused your work injury—such as a car crash while driving for work in Pueblo or on I-25—you may have a separate personal injury case.

• Workers compensation insurance carriers can claim reimbursement (subrogation) from personal injury recoveries.

• Timing and structure of each settlement must be coordinated to maximize your total recovery.

Estate Planning Concerns

• Large lump sums may justify basic estate planning tools like wills, powers of attorney, or simple trusts.

• Protecting your settlement funds for your family’s financial future requires planning beyond the workers comp claim itself.

Steve Johnston’s cross-practice experience in workers compensation, personal injury, automobile accidents, Social Security, and estate planning allows him to identify issues that many lawyers miss. This integrated approach protects your interests across all relevant legal areas.

Next, let’s review common mistakes Colorado workers make when accepting lump sum settlements—and how to avoid them.

Common Mistakes Colorado Workers Make When Accepting Lump Sum Settlements

Many costly mistakes happen before workers ever speak with a lawyer—especially in smaller Colorado communities where injured workers may not know their options.

Key Mistakes to Avoid

• Signing at the adjuster’s suggestion without legal review: Adjusters work for the insurance company, not you. Their job is to close claims cheaply.

• Settling before MMI: If you haven’t reached maximum medical improvement, you don’t know your true level of permanent impairment, and neither does anyone else.

• Skipping recommended tests and specialist visits: An MRI or specialist consultation might reveal conditions that dramatically change your settlement value.

• Relying solely on the insurance company doctor’s rating: The insurer’s independent medical exam often undervalues impairment. Seek medical attention and opinions from your own specialists.

• Ignoring interactions with other benefits: Your settlement might affect Social Security disability, union benefits, or retirement plans in ways you didn’t anticipate.

• No financial plan for the lump sum: Many injured workers spend their settlement within months, then face years without financial support for medical care or living expenses.

Once the Division of Workers Compensation approves a settlement, undoing it is extremely difficult and usually impossible.

Injured workers in Pueblo, Pueblo West, La Junta, Cañon City, Walsenburg, Trinidad, and throughout Southern Colorado should have Johnston Law Firm review any proposed settlement before signing. A few hours of legal counsel can prevent decades of regret.

Now, let’s see why working with Johnston Law Firm, LLC can make all the difference in your Colorado workers’ comp settlement.

Why Work with Johnston Law Firm, LLC on Your Colorado Workers’ Comp Settlement?

When you’re negotiating against well-funded insurance companies with experienced claims adjusters and defense lawyers, having a local, trial-tested attorney on your side levels the playing field.

Steve Johnston’s Core Practice Areas

• Workers compensation: Representing injured workers through every stage of the claims process

• Personal injury and automobile accidents: Handling third-party claims that may accompany work injuries

• Estate planning: Protecting settlement funds for your family’s future

• Criminal defense: Full-service representation for Colorado residents

• Social Security law: Coordinating disability benefits with workers comp settlements

This breadth of experience means Steve can spot issues other lawyers miss, particularly when your work injury intersects with auto accidents, Social Security benefits, or estate planning needs.

Serving Southern Colorado and Beyond

Based in Pueblo, Steve Johnston represents clients throughout Colorado, including Otero, Fremont, Custer, Huerfano, Las Animas, and Crowley Counties. Whether you were injured in a warehouse in Pueblo West or on a ranch in Trinidad, you deserve representation from someone who knows the local courts and understands the industries where Colorado workers get hurt.

The Johnston Law Firm Approach

• Thorough case evaluation: Careful review of medical records, wage history, and future medical projections before recommending any settlement

• Challenging low-ball ratings: Willingness to seek independent medical exams and take cases to hearing when insurers refuse fair compensation

• Plain-language explanations: You’ll understand exactly what you’re giving up and what you’re getting before making life-changing decisions

• Results-focused representation: Check client testimonials and case results on the firm’s website to see how past clients have benefited

You won’t get lost in a large firm or treated as just another file number. Johnston Law Firm provides personal attention to every workers compensation claim.

Finally, if you’re ready to discuss your options, here’s how to get a free consultation.

Free Consultation: Discuss Your Colorado Lump Sum Settlement Options Today

If you’re considering a lump sum settlement—or if an adjuster has been pressuring you to sign—now is the time to get individualized legal advice from a skilled attorney who handles Colorado workers compensation cases every day.

Johnston Law Firm offers free initial workers compensation consultations and typically works on a contingency fee basis for injury cases. That means you don’t pay attorney fees unless there’s a recovery in your case.

Contact Us Immediately If:

• The insurer has sent you a Final Admission of Liability and is suggesting a settlement

• You have reached maximum medical improvement and are wondering what your case is worth

• Your condition is serious or worsening, and you’re worried about closing off future medical benefits

• You feel pressured to make a decision before you’re ready

Don’t let uncertainty about your settlement keep you up at night. Your work injury already changed your life once. Make sure your settlement decision doesn’t change it again for the worse.

Call Steve Johnston at (719) 309-9484 or message us online to schedule a free, no-obligation review of your Colorado workers comp lump sum settlement options.

The consultation costs you nothing. Making the wrong settlement decision could cost you everything.