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... for a death claim. Since the payments are partially based on the length of time the recipients are eligible, determine the eligible dependents and compensation rate under state law. Generally, payments cease when a child reaches age 18, or 21-23 if enrolled as a full-time student, or if the widow remarries. Here, the status must be monitored for overpayments or subsequent over reserves. USE STRUCTURED SETTLEMENTS The settlement annuity is gaining favor. Defense counsel use them to lump sum settle cases, with future payments discounted to present value. ... other coverages are generally not recoverable. The First Report of Injury should trigger a thorough investigation of compensability before any payments are authorized to the claimant under the Workers Compensation policy. Check to be sure that claims are reported to carriers as required by state law. Review accident reports and witness statements. Obtain enough facts to support a Workers Compensation claim. Claims are regularly paid that are outside the scope of employment. Avoid this and you'll save 20% . Determine whether the claim is compensable. Ask the carrier to make voluntary payments ... might find, with the submitted evidence, that further treatment is unnecessary. They can use the same meds to determine an agreed on percentage of temporary, permanent, partial, or total disability. Regarding medical bills, most adjusters would, if authorized, have a specialized firm review medical bills and charges. Many managed care firms will do this and determine if charges for treatment are appropriate for the injury. In addition, they'll review the mode of treatment to determine if it's appropriate. BEWARE OF MANAGED CARE On the other hand ...