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Is a Lump-Sum Settlement for Your Defense Base Act Claim the Best Decision for You?

When you have a Defense Base Act case at some point you're going to have to decide what you're "end game" is going to be. That is, whether you should settle your DBA claim or not. 

In this article our Defense Base Act lawyers answer your questions about settling your Defense Base Act case.

This article answers these questions (and many more): 

Should I accept a Defense Base Act settlement?  How to determine if I should accept a DBA settlement offer?

Is a lump-sum settlement for my Defense Base Act claim the best decision for me?
 
What is the biggest factor that will determine the value of my DBA claim?

What will happen to the value of my case if I fall for the DBA insurance company's tricks or traps?
 
Why is it difficult to take emotion and anger out of your evaluation of your own DBA case?
 
What is the best way to get a great result on my Defense Base Act case? 
 
How important is my medical evidence to determining the settlement value of my Defense Base Act case?
 
What should I be looking for with my medical evidence?
 
What are my options in regards to trying to resolve my DBA case?
 
What is a lump sum settlement under the DBA?
 
What is a DBA weekly disability payment?
 
Is it true that the Judge can only award me a weekly benefit if I take my case to trial?
 
What are my settlement options?
 
Do you want to bet on yourself or against yourself?
 
What else is involved? (Or what else should I be considering?)
 
Can't I take my case to trial?
 
Why do folks say that taking a DBA case to trial is a long process?
 
What is the best way to negotiate from a position of strength? 
 
How to I get good help?
 
How do I determine if the DBA insurance company's offer is fair?
 
Strength vs. Weakness? 
 

Should I accept a Defense Base Act settlement?  How to determine if I should accept a DBA settlement offer? 
 

Defense Base Act Settlements - This article takes a hard look at: Should I accept a settlement offer by the DBA insurance company?

The insurer has offered you a deal: stop collecting weekly Defense Base Act benefits and get a large, lump-sum settlement.  Sometimes taking your case to court (read: having a trial) is the better option. Bill Turley looks at the fine print....

 

Defense Base Act Settlements - Should I accept a settlement offer by the DBA insurance company?


“I am going to tell you the brutal, frank, truth - no matter what - even if it isn’t what you want to hear.   This website is the most comprehensive Defense Base Act website for seriously injured DBA workers.”

Defense Base Act Lawyer - Bill Turley 

 

This is a two part article - after you read this article - be sure to check out this article: 

How to figure out if the DBA settlement offer is fair

 

Is a lump-sum settlement for my Defense Base Act claim the best decision for me?

If you have a Defense Base Act case you have probably thought about settling the case or how to settle your case. It’s a natural thought. At the end of the day you should be asking yourself, “How can I get the most money for my DBA case?”  

You might not be there today or even tomorrow, but at some point you might consider settling your DBA case.

The main way that Defense Base Act cases are resolved is by what are called 8(i) settlements.  The “8(i)” refers to the section of the law that concerns the settlement of claims. Generally, with an 8(i) settlement you are settling all aspects of your Defense Base Act claim for a lump-sum payment. Not always, by usually.

Once you settle your case - and the settlement has been approved by the Department of Labor, the settlement is final. You can’t come back in a few years and get more money because you discovered that you have more problems or disability than you had previously. In other words, it sort of like what you read when you buy something at a retail sale: all sales are final and no returns are allowed.

Be sure to claim your free copy of the 5 Star Book - Win Your Defense Base Act Case 

Win Your Defense Base Act Case - Answers to all your questions about settling your DBA claim

This is an eye-opening book that gives you an insider's view of the Defense Base Act and how to beat the DBA insurance company. This book will take you step by step on how to avoid the DBA insurance company tricks and traps that are designed to destroy your DBA claim. 

If you do one thing - you owe it to yourself to read the 5 Star reviews of the book on amazon.com!!

I suggest you read my book - Win Your Defense Base Act Case before you talk to the insurance adjuster, give a statement, sign any forms or even hire the wrong lawyer.

What is the biggest factor that will determine the value of my DBA claim?

One of the biggest factors that will determine whether you should settle your case is whether you have credibility issues.  That is, will the DBA insurance company lawyer be able to poke holes in your case based upon your truthfulness. This is why it is so important for you to always tell the truth.  Always. Don't fudge, don't exaggerate about anything.


What will happen to the value of my case if I fall for the DBA insurance company's tricks or traps? 

When I'm evaluating what the value is of someone's DBA case, I'm always looking to see if they have you fallen for one of the DBA insurance company tricks or traps. It's actually one of the first things I'm looking for. It's because som many folks do fall for these tricks and traps and it will usually considerably lessen the potential value of their claim.

 What I see happen again and again is good honest folks falling for the tricks and traps that the insurance company uses to try to tank your case.  My book - Win Your Defense Base Act Case will help you avoid these tricks and traps.

The insurance company's tricks and traps are directed toward destroying your credibility and character in front of the Judge. This is why you need to do everything that you can to protect and guard your credibility. 


Why is it difficult to take emotion and anger out of your evaluation of your own DBA case? 

Most folks have a difficult time doing this. When you're angry it's almost impossible to be objective and level headed. The DBA insurance company is trying to get into your head. And they are dang good at it too. 

You shouldn't lose sight of your lack of objectivity on your own credibility.  You need to step back and try to take the emotion and anger that many people feel when they have a valid claim, to be viewed as being not credible because they fell for one of the tricks or traps that the DBA insurance company will try and trip you up with.

Need help right now?

Call 619-304-1000 or fill out the contact form on this web page. 

What is the best way to get a great result on my Defense Base Act case? 

The way to get the best result for your DBA case is to have a strong case. The stronger your case, the more your case has "settlement value."  Conversely, the more problems or issues with your case - then the less "settlement value." 

At the end of the day - the value of your case is determined by your credibility and the strength or weaknesses of the evidence in your case. 

You will need evidence to win your DBA case


How important is my medical evidence to determining the settlement value of my Defense Base Act case? 

The medical evidence is very important. Some folks might say that the medical evidence is THE most important factor in determining the value of your DBA case. 

I disagree. Let me tell you why. You can have a lot of problems with your medical evidence and still you can win your DBA case if the Judge likes you and believes you. 

Conversely, if you have a lot of problems with your credibility and character, you will probably lose your DBA case no matter how great your medical evidence is. This is why I say nothing is more important than you credibility and character in winning your DBA case. 

This is also why the DBA insurance company's devise so many tricks and traps to help them try and destroy your credibility. it's because they know that if they do that - they aren't going to have to pay you hundreds and thousands of dollars (or more) in disability benefits. 

What should I be looking for with my medical evidence? 

You should be trying to get a medical report whereby your doctor gives a well reasoned medical opinion that explains why your injury was caused or contributed to by you're being overseas.  The report should explain why your injury prevents you from working at your usual employment overseas.  In order to do this, your doctor needs to be familiar with the job requirements you have with your overseas job. 

The report needs to be well reasoned and not stated in conclusions. 

Hopefully, your doctor will address the insurance company's doctor's contentions about why your claim doesn't hold water. 

Your doctor has to be objective. That is, they have to "call it the way they see it." The last thing you need is a biased cheer leader. 

What are my options in regards to trying to resolve my DBA case? 

Should I accept a DBA settlement offer -

“When you come to a fork in the road, take it.”
Yogi Berra

At the end of the day - you have two ways to proceed with the disability benefits (read: money) part of your Defense Base Act claim.  You can settle with a lump sum settlement or you can receive weekly compensation benefits.  

When all is said and done and all of the dusts clears, when you simplify it - there are two benefits under the Defense Base Act - weekly compensation benefits and medical treatment benefits.

What is a lump sum settlement under the DBA? 

A lump sum settlement is where the DBA insurance company pays you one amount of money in order to settle all of the issues in your case. Sometimes a lump-sum settlement is used to settle part of your case. But most settlements, settle or finalize all the issues in your DBA case.

Click here for an article on: How to Tell If a Defense Base Act Settlement Is Reasonable

 

What is a DBA weekly disability payment? 

Under the Defense Base Act, you are entitled to weekly disability benefits.  The two main types are “TTD” or temporary total disability benefits or PD permanent disability benefits. This can be PTD or permanent total disability benefits or PPD permanent partial disability benefits.

Click here for more information on permanent disability for an unscheduled injury.

I realize I am being a little simplistic here and I explain all of this in more depth in my 5 Star book - Win Your Defense Base Act Case.

Click here for the 5 Star  amazon.com reviews of my book.

Is it true that the Judge can only award me a weekly benefit if I take my case to trial? 

The important point that you need to understand is that if you take your case to trial, the Judge can only award you a weekly disability benefit.  If the Judge finds that you were unpaid or underpaid the weekly disability benefit that you will receive a lump-sum when the Judge issues an order awarding benefits (assuming you win your trial).  Meaning, you will get the number of weeks of underpaid or unpaid compensation that the Judge awards you.

The Judge can’t award you a lump sum for your case. So, if and when you take your case to trial - you will be receiving a weekly compensation amount. And if the Judge finds you have a permanent disability - then the Judge can award an ongoing weekly benefit amount. You should also know there is a difference between a scheduled injury and an unscheduled injury.

The Judge, you and/or your lawyer can’t force the DBA insurance company to offer you a lump sum settlement

No one can force the DBA insurance company to offer you a lump sum settlement or a certain amount for a lump sum settlement. Your attorney may be able to persuade the DBA insurance company to offer more money for a lump sum settlement. But, the important part here is no one can force the insurance company to do so.

 

What are my settlement options? 

Your only options are usually to:


      (1)    Accept the lump sum that the insurance company is offering,
      (2)    Try and convince the insurance company to offer more, 
      (3)    Accept the weekly amount that is being paid (knowing that you could be cut off at any time in the future),
      (4)    If you are entitled to a larger weekly amount, then you can take your case to trial and try and get the Judge to award a higher weekly amount,

      (5)   Appeal the Judges Decision if  you lose at trial or you thing the Judge didn't Award you a large enough weekly disability payment,

      (6)   Oppose the insurance company's Appeal if they aren't pleased with the Judge's Decision and Award. 

This really is the extent of your options.

 

Do I need to make a decision?

In essence, you need to decide whether you would rather continue to receive a weekly compensation benefit (or, if you aren’t receiving any weekly compensation benefits currently, to continue with your case and try to receive weekly compensation benefit) or settle you case with a lump sum settlement.

This is your “fork in the road.”

In many respects, no decision is a decision.  That is, no decision is accepting whatever the DBA insurance company is doing to you. 

 

Do you want to bet on yourself or against yourself? 

What I mean by this is are you better off taking the weekly benefit or the lump sum settlement?

If you have an unscheduled injury (back, neck, internal, PTSD) then the value of your claim is based on your loss of wage earning capacity. I explain this a little bit better in this article. Go to this article and come back here after you read it.

Click here for more information on permanent disability for an unscheduled injury.

Click here for more information on a nonscheduled injuries and wage loss concept.

The way this works is the DBA insurance company is going to get a Labor Market Survey in order to determine you wage earning capacity. Go here to read about Labor Market Surveys.


The Judge is are going to compare your overseas civilian earnings with the what you can earn now. The Judge will consider your physical disabilities, education, experience, etc.

All this ties into your average weekly wage. Click here for an article on average weekly wage (AWW)

All of this results in your current loss of wage earning capacity.

What I mean by “are you willing to bet on yourself” is this: can you earn more than this in the future?  If you think you can, than you may be better off accepting a lump sum settlement.

 

What else is involved? (Or what else should I be considering?) 

Of course, there is more to all of this than just this “betting on yourself” part.

Do you want to put all of this behind you?

Do you want to have to depend on the DBA insurance company actually sending you a weekly disability check for the rest of your life?  Knowing they can, and regularly do, stop folks weekly checks for no apparent reason.

Do you need the lump sum money in order to get back on your feet again? That is, what are your current financial needs?

Another factor is what future medical treatment you will need and cost of the medical treatment? Do you have other means to get the medical treatment. For example, do you have access to medical treatment because of your current work or your spouses insurance?
                        
Do you want to have to rely on the DBA insurance company providing your medical treatment?  In many cases, the DBA insurance company will make it extremely difficult for you to get timely and needed medical treatment.

Do you not want to go through a full blown trial where you know the DBA attorney is going to attack your character and credibility?

Have you weighed all of medical evidence, other evidence? Meaning, have you weighed the pros and cons of whether you will actually win your case?

Know this, the “best” cases tend to settle. This is probably why so many DBA cases lose at trial. You have to realize that in a large percentage of DBA cases, the Judge rules in favor of the insurance company.

Another factor to consider is, who is the Judge?  Some Judges find for the Claimant (read: the person bring the DBA claim) more often than other Judges. Some Judges tend to deny claims more often than other Judges. Not all Judges are equal.

Are there legal issues which may affect the outcome of your claim?

What is the law that will apply to your case?  Different case law applies to different Circuit Courts of Appeal. For example, generally if your case is venued in the Ninth Circuit Court of Appeals the case law is generally more favorable to Claimants than some other Circuit Courts of Appeal.

All of these questions and your answers may result in you coming to the conclusion that taking a lump sum settlement is better for you. Or in the alternative - you may come to the conclusion that you are better off receiving a weekly compensation benefit.

 

Can't I take my case to trial? 

Yes, and sometimes this really is your "best" option."  

It is always good to know your reality.  After all, how can you make a decision if you don't know the score, so to speak? 

A good place to start is the process.

Why do folks say that taking a DBA case to trial is a long process? 

The process of getting your DBA case to trial and getting a Decision and Order is a long process, to say the least. First, you have to marshal the evidence needed to prevail in your case.  I am not skipping over this very important step, but I want focus here on the system.  Next you will need to have an Informal Conference and have Recommendations issued by the U.S. Department of Labor.  This will usually take months. 

Then you will need to have your case referred to the Office of Administrative Law Judges. Or OALJ.  Then the OALJ will then set your case for trial (called a Hearing). Then you will get your day in court.  Then you have to wait for a Decision and Order to be issued. I would like to tell you different, but it is common for all of this process to take years. Seriously. It is an extremely slow system. 

If you win, then you can expect the DBA insurance company to appeal. The next step is the Benefits Review Board. (BRB). It is common for the BRD to send your case back to the Judge to decide some issue in your case. This all can take more years. 

Assuming you win all of this, the  DBA insurance company will probably send you a request for your earnings every year. If the DBA insurance company believes that you are earning more money or could earn more money (that the Judge found you could earn in your trial), the insurance company will go back to court to try and end your weekly disability payments or lower them. Remember, disability in a DBA case for non-scheduled injuries is a wage loss concept. 

What I am trying to say is that you just don't show up to court, have a trial and the Judge issues a decision on the spot and your case is over. This is not only not correct, but it's really not correct.  The DBA system is such that it keep going and going and going. 

One way to stop it is to settle your case. 

This is not to say, that sometimes you just need to take your case to trial. It depends. 

What is the best way to negotiate from a position of strength? 

The best way to negotiate from a position of strength is for you to be ready, willing and able to take your case to trial and win. That is, you not making any of the mistakes that will tank your DBA case. Don't fall for the insurance company's tricks and traps. Go out ane marshal the evidence that you are going to need to win your case.  

Getting ready for war, is the best way to insure peace. It's the same way with DBA cases. 

How to I get good help? 

Putting yourself in the best possible position to get the best result possible for your DBA case is what my book - Win Your Defense Base Act Case is all about. Read the 5 Star reviews of the book on amazon.com here.

I suggest you get your free copy from this website. Or you can Order the book through amazon.com, and pay for it if you like also. By getting the book and reading it and following all of the ways you can avoid the tricks and traps laid by the insurance company is the very best way to getting the best result possible for your case.

My book explains how to find and hire the best DBA lawyer for your case

 

Even if you decide to handle this yourself, you want to be as well prepared as possible. As a start, I suggest you read the opening chapters of my book, Win Your Defense Base Act Case: The Ultimate Straight Talk

 

How do I determine if the DBA insurance company's offer is fair?

Don't miss Part 2 of this 2 Part article. 


This is a two part article - after you read this article - be sure to check out this article:  How to I figure out if the DBA settlement offer is fair? 

 

Strength vs. Weakness 

Here is "truth" with your Defense Base Act case.  If you want to get what you are entitled to under the DBA - you have to be ready and able to take your case to court. You have to be prepared to win. Hoping for a good settlement is a fool's errand.  You want to and need to negotiate from a position of strength.  You don't do that unless you are prepared to win in court.

 

Find our what evidence you will need to win your Defense Base Act case

Disclaimer: Please understand these discussions and/or examples are not legal advice. All legal situations are different. This testimonial, endorsement and/or discussion does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter, your particular case/ situation and/or this particular case/ situation. 

William Turley
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“When I seek out professional advice, I don’t want B.S., I want it straight up. I figure you do also.”

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