I haven't settled yet, but I'm in CA. My attorney tells me that clients they've had for 20 years with open Lifetime Med, are now being turned down for meds they've been all those years.

My guess is that since the latest changes in WC law, the insurance companies don't have the same incentive to settle since they're paying out so much less in benefits.

If there is a chance of you needing to apply for SSI or SSDI, any Medical Settlement proposal should be submitted to Medicare for approval of a Set Aside Account which can delay things.