Hi,
I just settled with w/c in the state of georgia - we do not have a life time insurance but with my case, with the settlement, w/c had to do a medicare set aside (I was awarded ss disability which makes your case stronger) as ss disability said, this is a w/c injury and w/c needs to provide care for me for the next 23 yrs so a set aside account was set up w/an account that pays til the fund runs out then medicare with pay - if you get awared ss disability then you are in a position to receive medicare set aside - I am assuming this is the way it is in all states as ss disability is federal - I hope this helps - also, the # of years that pay depends on your age and the # of years some calculated chart says you have to live depending on how healthy you are -