they are all so right.it all depends on all the things(factors they stated).the laws differ from state to state,lawyers,your age the extent of your injury,etc.my injury was like yours.it was my neck and my shoulder and how it effect my job,which is constuction.thats what i do and my education level and my age.plus it was my company fault why i got hurt.it was a job iwas not suppose to do but they had me do it anyway.when "Ocsha"investigated they ,they went right thru the "ROOF"it was all they company fault.but like all the poster said here.it depends on a lot of factors.your state laws,lawyers,your age,etc