But unless the employer is acting nefariously I wouldn’t lawyer up for them to take 20%. As long as she is receiving her benefit and the employer is planning on returning her to her original job then all is well. A good sign is if they offer her modified duty to accommodate the work restrictions as she progresses. The doctor determines the recovery period (based on the response to treatment) and when she reaches max medical improvement (MMI) - meaning that is the best she is gonna get under their treatment/PT. She then returns to work and the temp disability stops. Permanent impairment rating would come after MMI is reached. Good luck and hope it’s a quick recovery and as good as new!