3 Months Of Physical Therapy Settlements

If you’ve spent three months going to physical therapy, you already know it’s not just a quick fix. 

It takes time, effort, and a whole lot of patience. Between scheduling appointments, pushing through sore muscles, and trying to get back to normal, it can seriously disrupt your routine. 

And now that you’re finally on the other side of it or at least close, you’re probably wondering what kind of injury settlement you could expect.

In this post, we’ll break down the average 3 months of physical therapy settlement.

How Much Is A 3-Month Physical Therapy Settlement Worth?

Most settlements that involve around 3 months of physical therapy tend to fall somewhere between $7,000 and $30,000. 

That’s a pretty wide range because it depends on a bunch of factors. Some people get less, others get more. It’s all about how the injury affected your life, how much your treatment cost, and how strong your case is overall.

If your injury was fairly mild and you bounced back without too many issues, you’re probably on the lower end. 

But if your injury messed with your work, sleep, mental health, or just made life harder for a while, your case could be worth a lot more.

Also Read: How Long After Signing A Release For Settlement?

Factors That Affect Your Settlement Amount

Let’s go over the biggest things that can change how much money you walk away with. 

Every case is a little different, but these are the core pieces that go into calculating your 3 months of physical therapy settlement:

#1 Cost Of Medical Care And Therapy

Your total medical expenses play a huge role in your final settlement. 

That includes the cost of every therapy session, doctor’s visit, X-ray, MRI, prescription, or follow-up check-in. Even mileage to and from appointments can add up. 

The more you’ve had to spend to heal, the higher your claim’s baseline value becomes. 

Insurance companies start negotiations based on these actual costs, so keep every bill!

Also Read: Average Settlement For Cervical Radiculopathy C6-C7

#2 How Bad Your Injury Is

Not all injuries that need PT are the same. There’s a big difference between a minor neck strain and something like a herniated disc or a torn ligament. 

 If your injury required ongoing care, multiple visits per week, or caused serious pain and stiffness for months, that boosts the value of your claim. 

The more serious and disruptive the injury, the higher your compensation usually goes.

#3 Time Missed From Work

Did your injury force you to take time off your job? 

Even a few days here and there can add up, especially if you’re hourly or don’t have paid leave. 

You can ask to be compensated for every paycheck you missed because of appointments, recovery time, or physical limitations. Even part-time absences count. And if your injury impacted any bonuses or tips, those can be factored in as well.

And if you had to take a different role or cut back on hours, that counts too.

#4 Pain And Suffering

This part is a little harder to pin down in numbers, but it still carries a lot of weight.

Pain and suffering includes everything from physical discomfort to emotional stress. Maybe your back hurt constantly, or you couldn’t sleep right, or driving made you anxious after the accident. 

This part of the settlement reflects the non-medical toll the injury took on your life.

Also Read: What Color Car Gets In The Most Accidents?

#5 Long-Term Or Lingering Effects On Daily Life

Even after 3 months of therapy, some people still don’t feel 100%. 

Maybe your shoulder’s still stiff, or your back gets sore if you sit too long. Maybe you’ve had to give up working out, limit how much you lift, or skip doing things you love. 

Lingering symptoms like these suggest your injury had a bigger impact than the initial diagnosis showed. 

That can increase your settlement because it affects your future and not just your past.

Examples Of Common Injuries That Need 3 Months Of PT

Three months of physical therapy usually means you had more than just a small bump or bruise. It often points to soft tissue injuries or moderate trauma that takes real time and care to heal. 

Some of the most common ones include:

• Whiplash or neck strain from a car accident
  
• Lower back injuries like a slipped disc or lumbar strain
  
• Knee or shoulder sprains, especially from falls or sports-related injuries
  
• Post-surgical rehab, like after a torn ligament or minor fracture
  
• Herniated discs or pinched nerves 

These injuries usually need consistent care. 

You might’ve started with hot/cold therapy, followed by mobility work, stretching, resistance training, and maybe even massage or ultrasound treatment if things were more complex. 

All of that matters when it comes to valuing your case.

How Insurance Companies Look At These Cases

Insurance companies tend to downplay soft tissue injuries. 

They might say stuff like, “You only needed a few months of therapy, so it wasn’t that serious.” Or they’ll offer a lowball number and hope you take it just to move on.

Don’t fall for that.

Insurance adjusters are trained to save their company money. They’ll look for gaps in your treatment, suggest you over-treated, or act like your injury wasn’t “bad enough.” 

That’s why documentation is super important. 

Keep a copy of every appointment, receipt, work note, or prescription. The more proof you have, the harder it is for them to argue your case isn’t worth much.

And if they’re really playing hardball? That’s when talking to a personal injury lawyer might be worth it. They can take over the negotiation process, show the insurance company you mean business, and often get you a higher settlement, even after their fee is taken out.

Bottom Line

Most 3 months of physical therapy settlements land somewhere between $7,000 and $30,000, the exact amount depends on things like your medical bills, lost wages, and how the injury impacted your life.

Soft tissue injuries are often underestimated, but that doesn’t mean they aren’t serious.

So don’t let anyone brush your recovery off as “minor.” If it hurt, disrupted your life, and forced you to spend months getting back to normal as you deserve fair compensation for that.