I had a small wc settlement but only for chronic RSI/soft tissue.

Basically you need to add up all you can think of and then add on more cause it only gets more costly.
like add up all medical bills for the last year or 2 and avg them out by month & then yr, is one way.

I've read some mention open medical with a settlement, but not really sure how it would work or if they would still approve meds & treatment or if it would be a big fight every time.

But a straight out wc settlement means you agree to take xxxx amount of money and sign away all rights to make anymore claims on this injury/claim.

done and over, you're on your own then.