I was injured in March of 2007. A severe punture wound to the hand. It required surgery and lost work of one week. I returned on light duty, due to the fact I needed full pay. I was offered a lump sum payment and was told I needed to sign by jan. 25 of 2008. They offered me what I determined a very low payout. How do they determine the lump payout. I never contacted an attorney, the companies insurance contacted me via letter and phone. My hand still is damaged due to aches and muscle twitching and I loss the ability to grip items as I once did. Should I seek an attorney, or take the money.