A couple of comments on the above post.
"Your lawyer wants you to settle your daughter's claim so he can see a payday. If you decline to settle both he won't have to work any harder to try both instead of just one."
As for the first sentence, that depends. The lawyer should have an idea what the case is worth before a jury. If the pre-trial offer is very close, of course the lawyer would prefer to settle as it is the best thing for the client and the lawyer. However, if the offer is well below what the case is worth, the lawyer will usually not encourage the client to settle for financial reasons. The beautiful thing about the contingency fee is that it aligns the lawyer's and client's interests. Yes, some mills encourage early, low settlements in order to maintain a cash flow, however the majority of solo practitioners do not.
As for the second sentence, it would be almost twice the work.
"A well documented permanent partial disability should be worth 6 figures."
There is now way to know that. Too many variables we do not know. Also, I practice in a very generous jurisdiction and it would be very rare for a 5% disability to receive a six figure verdict. Also, as I'm sure you know, the disability rating is not given the weight it used to. I've sent clients to very reputable MDs for second opinions and had disability ratings very by as much as 15%.
The last thing is the diagnosis of a "disc protrusion." You are assuming it is a protruding nucleus. Based on the Epidural Steroidal Injections administered, that might be a logical assumptiuon. However, it's common for bulging discs to be treated with ESIs. However, based on the 5% disability rating, I would assume the discs are bulging. Bulging (rather than herniated) discs are often described as protruding. And I have had several clients' treaters prescribe ESI for bulging discs.
If the poster does indeed have 2 herniated discs, then I agree with your valuation (all things being equal) and your advice. If the discs are bulging, then I'd say the offer is already approaching the settlement range. Around here I'd place it at $15k at the low range and maybe $40k at the high range depending upon any nerve involvement or lack thereof. As none was mentioned in the posters diagnosis, I'm assuming there is none and the value would be closer to the $15k figure. Maybe $20k on a good day.
I would expect the carrier to reach that beforte trial.
Once again, that's my jurisdiction.