I am a union worker and I broke my left ring finger while on a jobsite. I have had a couple surgeries and several doctor's appointments but my knuckle is still twice the size and my finger is slightly bent. I have had a surgery where they took ligament from a dead person and tried to put it in my finger but the joint is still stiff and swollen. This happened two years ago and the doctors have finally told me there is nothing else they can do. I am unable to wear a wedding ring and I have pain in the winter. I have a claim pending with the union company's insurance and they offered me $4,000. How do I know what the claim is worth? Should I counter offer, accept, or hire an attorney?