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all right hello I hope everyone can hear me this is Greg Fletcher Ive been with Bradford and Marcel for 16 years and before that I was in house with a very large insurance company doing workers compensation defense for six and a half years so Ive basically been doing this for about twenty five years and have drafted many many settlement documents so very familiar with it Ive seen good ones bad ones and indifferent ones so without further ado lets go into compromise and release when do we settle by a compromise or release when were off the risk and we wish to settle future medical care when a claim or a right to benefits is disputed now what is a compromise and release typically it is a settlement in a single lump sum you agree to pay a certain amount of money you dont typically differentiate although the new documents do divide up what benefits have been provided and whats going to be paid advantages of the compromise and reliefs are that it generally resolves all issues there