Yep, never been in the hospital once in my life (lucky), spent a week in the trauma unit, was 12' up in the air working on a boiler piping system, pipe burst/leaked glycol(snoty antifreeze) straight down the ladder hit the base of the ladder, it was a smooth finish concrete floor and it turned into a ice skate and it came out from underneath me, just a true accident, but man did it do damage. Not whining or crying about it now, it's done BUT if you think you're invincible.... I found out I wasnt for sure. It was a work comp type coverage, their doctor assigned to me is trying to rush me back to work, and I do not have a choice, he says what my outcome is, so they already have me back at work sitting at a desk doing paperwork, as soon as he releases me I am going to hire my own doctor for a second opinion, I am sure I am going to make a full recovery, but all in good time. I am glad I saved my power glide, I may have to revert back to an automatic.
They might not like it, however, you have all the rights in the world to contact another docter for a second opinion. You will have to pay that doctor out of your pocket, but can recoupe the expense when the settlement comes. I had a workmans comp injury that put me in the hospital for 3 months, and I told the insurance company that I was getting my own doctor on the case, and that they were going to pay for it. This was in Mass, and I can't say that the laws are the same in Iowa, however, I do know that they cannot prevent you from seeking a second opinion outside of their system. I didn't go to an attorney for my injury claim, because I fully recovered from the injury, and there were no life long effects, unlike yours. Also, don't let your attorney sell you out by pushing you to take their first or second offer. Attorneys work on a percentage, and using easy figures, assuming that the attorney is going to take a third of the claim, and they offer $100,000. He get $33,000, and you get the balance of $67,000. If you don't accept, then he goes back to them and they will sweeten the pot, and give you another $10,000. He gets another $3,000, and you get another $7,000. Most attorneys, are only interested in getting the bulk of the money ($30,000) and move onto the next case. He will have to work a lot harder to get more money each time they bump the amount up a little, and they don't want to do the extra work. Many times, if you have a good case like yours, and you have a good attorney that cares about the client, they will file suite with the court, and then settle the case right before it goes to trial. Yes, this is a lot of work for him/her, but in the end, you will get a settlement that is far greater than that which was originally offered. The last thing that the insurance company wants is for it to go before a jury, because they know that jury's many times will award outlandish rewards, because they want to be generous with the plaintiffs.
One other thing that also comes to mind, is that even though the attorney gets 1/3 of the settlement, they often put into the contract that you are responsible for all court and filing costs, which means that in the end, you might only wind up with 40 or 50 percent of the settlement, because the attorney charges for preparing the paperwork that needs to be filed. Had you not gone to an attorney right away, you could have negotiated a lot of these expenses be shared by the attorney. Knowing a lot about how they work before you sign is the key to keeping the better part of the settlement in your pocket, not theirs.
Also, if you get tired doing your office work, then tell the supervisor that you are not going to be pushing yourself to the point of pain, and that you need shorter hours. You can bet your bottom dollar, that they have a Private Eye watching you and photographing everything that you do from the time you get up, till the time you go to bed. They will be documenting your every activity, whether it is going shopping, or driving.