Workers` compensation insurance companies have the opportunity to challenge a doctor`s finding of the nature and extent of the injury. It goes without saying that a complete and lasting disability results in a higher performance bonus than a temporary and partial injury. Once an employee has received a benefit premium, the insurance company is generally required to pay compensation for the worker`s medical care and treatment in addition to disability awards. Some insurance companies may wish to negotiate lump sum compensation rather than weekly payments, as provided for in workers` compensation laws in many states. Workers also have the option to negotiate a structured transaction in which the insurance company makes a series of lump sum payments over predefined periods. The workers` compensation system provides a method for compensating victims who suffer workplace injuries. . . .