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A:
Maximum Medical Improvement, or MMI, is the point where the doctor says you are as good as you are going to get. That's not really true though. That's what it is supposed to be. In truth, the doctor will put you at MMI when he doesn't think you need to come back and see him anymore. At that point you may only be 85 or 90% recovered but you simply don't require the attention of a doctor. The doctor, if he does a lot of workers' comp, knows that he's going to be asked about MMI so he will probably go ahead and address it in his final note. The reality is that in many instances you will continue to improve over the next year or so. One reason is that your body continues to heal whether or not you are actively in medical treatment. Another reason is that you learn to adapt to what you can and cannot do.
What happens at MMI? Medically, three things should happen.
First, the doctor will give you a permanent partial impairment rating to your injured body part. Your toes, feet, legs, back, arms, hands, and fingers are all assigned a number of weeks worth of benefits. For instance your thumb is worth 75 weeks of your weekly checks. If you have a 10% rating you get 7.5 weeks, a 33% rating gets 25 weeks, etc.
Second, the doctor will give you permanent work restrictions. These are critical because they explain what you can and cannot physically do if you must look for a new job.
Third, the doctor should outline what your future medical treatment will be and who will be in charge of it. For example you may need to be on medication for another year or two. The orthopedic surgeon may not see any need to be the one to prescribe this and so he should say he expects you to be on medication but that your family doctor can handle this.
Legally, MMI is a decision point in your case as well. If you are near, or at MMI, you and your attorney should talk candidly about your case. Can you return to your old job? What other employment options do you have? What kind of retraining is in your best interest? What are the details of the next stage of your case?
You should know that insurance adjusters get pretty aggressive to close a claim out once a person reaches MMI. That isn't necessarily a bad thing... you can do a little legal judo and let their aggression work to your advantage. But it is not something to do without a thoughtful discussion with your attorney.

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OTP - Winston-Salem
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The accident wasn't my fault so can I sue my employer?
If I can't sue my employer, can I sue someone else?
What is "Maximum Medical Improvement" and what happens at that point?
When is it helpful to LOSE a case
The Workers' Comp Adjuster Denied a Perfectly Legitimate Claim.