They are offering what the state law requires for the 13% impairment.

When you say 'medical money', it sounds like they are trying to get you to give up your right to reopen your case in the future. DO NOT do that. Some people mistakenly believe that if they go to a different employer and the previous injury causes problems, they can refile with the new employer's insurance. That is wrong. Workers' Comp cases are filed with the States, and they will not allow you to reopen with any employer if you have already settled for additional money not to reopen.

Attorney's fees will be capped at what state law allows. Most likely if you get an attorney involved, he will be able to negotiate a higher impairment rating, hence more money.

Neither my husband or I had ever used an attorney before, and didn't see any reason to for his w/c claim. But, the more we refused to take settlement money to give up his future rights, the longer the w/c carrier stalled. We finally had to get an attorney just to put an end to it. We were glad we did.