Agreeing to a settlement is not the end. Several steps must happen before money reaches you, and delays are common.
Typical steps
- You accept the offer and sign a release.
- The insurer issues payment, often within a few weeks, depending on state rules and policy.
- The check is deposited into your lawyer's trust account, if you have one.
- Liens, medical bills and fees are paid or negotiated.
- The lawyer prepares a closing statement and sends your share.
Why delays happen
- Missing paperwork or signatures.
- Medicare or Medicaid lien resolution.
- Waiting for checks to clear.
- Disputes over the release language.
What to do
- Ask for a timeline when you sign.
- Return documents promptly.
- Ask your lawyer for the closing statement.
- Follow up with the insurer if no payment is made within the time your state or the agreement requires.
- Check your state's prompt payment rules.
Watch for scams
Be cautious of requests to send money to receive a settlement or checks that ask you to wire back an overpayment. See our guide to scams.
Frequently asked questions
Can I get interest if the insurer is late?
Some states require interest or penalties for late payment.
How do I track a settlement check?
Ask your lawyer or the insurer for the payment status and tracking details.