I have lifetime medical from my work injury with two big companies! One company is willing to settle but the other is not! They have to both be willing to settle or nothing happens! They say it has something to do with CA and medicare making it difficult! I'm not asking for much like my pain doc says but they are so cheap! Now they want me to take generic meds and my favorite dr. in the whole world says they are not the same! Sure hope to get a settlement with them on my lifetime medical sooner than later! Just another chronic pain patient from a work injury! Love this group! J P