Ep. 130 - Why You Should Never Accept the First Workers’ Comp Offer

In episode #130 of Work Comp Talk Podcast, hosts Carmen Ramirez and Attorney Bilal Kassem from Pacific  Workers, explain why accepting the first workers' compensation settlement offer can be a costly mistake. 

The hosts reveal how settlements are calculated, who controls the key information in your case, and why the initial offer is often far less than what you deserve. Carmen and Bilal provide practical strategies to evaluate offers carefully and protect your rights, ensuring you get the compensation you are entitled to. If you want to avoid leaving money on the table and make informed decisions about your claim, this episode is essential listening. 

 

Takeaways: 

First Offers Are Often Lowball 

Incomplete Compensation 

Pressure Tactics by Adjusters 

Legal Implications of Early Settlement 

Importance of Legal Representation 

 

Chapters: 

0:00 – Introduction & Podcast Overview 

1:08 – Why Workers' Comp Doesn't Always Pay Full Amounts 

3:20 – Advantages of No-Fault System 

4:47 – Monetizing Injuries: Permanent Disability Ratings 

7:10 – Challenges for Unrepresented Workers 

8:33 – Potential Errors in Ratings 

12:55 – How Insurance Companies Calculate Settlements 

16:32 – Case Examples: Low Initial Offer to High Settlement 

17:44 – Insurance Adjusters' Authority & Settlement Limits 

20:08 – Final Thoughts 

 

This episode is sponsored by Pacific Workers, The Lawyers for Injured Workers, the trusted workers' compensation law firm in Northern California. With over 10,000 cases won and more than $350 million recovered for injured workers, we are here to help if you've suffered a workplace injury. 

 

 Visit our FAQ and blog for more resources: 

 
https://www.pacificworkers.com/blog/