Your adjuster can also help you understand how the claims process works and can explain the repair and appeal options available to you.
Granted I have not yet had an oppertunity to work as an USCG MPIC medical officer, but I would like to, and what I have said is based on what I learned in my training and from what I have learned from friends that are USCG MIPC medical officers on ships.
Only MPIC can sue and they keep all the proceeds of the lawsuit.
If you are injured and cannot work, you will receive from an Income Replacement Indemnity IRI which is equal to 90% of your net income.
Over time, replacement income will drop to less than half of what you would have been taking home because your only pay raise while on replacement income is Cost of Living.
And coming from several people I know, I have been told that if you have an USCG MPIC Certification and apply, it is fairly easy to get a job as a medical officer.