Schedule Loss of Use (SLU) and Section 32 are settlements for workers compensation cases. When deciding how to settle your workers comp case, it’s important to know the difference, as the one you choose depends on your situation.
While there are multiple factors to consider when settling your case; the biggest difference between Schedule Loss of Use and Section 32 settlements is the stipulation of keeping your medical open.
- For SLUs, medical coverage remains open. Should your injury require further surgery or therapy, even if it’s 15 years down the road, you would not have any out of pocket expenses.
- A Section 32 settlement does not keep medicals open. Most insurance companies prefer this type of settlement because of that. When a section 32 settlement offer is received, it tends to have additional added money to entice you to choose it over a SLU.
So which do you choose?
The best thing you can do when making the decision is speak with your doctor. If the injury is to a joint that tends to deteriorate over time, maybe a schedule loss of use is better in case you require surgery in the future. However, if the injury is minor, and you don’t believe any additional medical assistance would be required for the injury, perhaps a Section 32 is what you’re looking for.
Ultimately, you alone know how much pain you’re in. When and if it comes time to settle, you can decide which is better for you with the assistance of your doctor and attorney.
**This blog post is for informational purposes. Your specific circumstances may vary from the information provided. Every case is different. Prior results do not guarantee future outcomes. The contents contained in this post do not establish an attorney-client relationship. Please contact us before sending confidential or time-sensitive material**