Expanding eligibility for voluntary workers' compensation settlements.

HB 2189 lowers the age requirement for voluntary workers' compensation settlements from 50 to 40 years old for workers with self-insured employers, directly affecting those under 50 who currently cannot use this option. The bill maintains the existing 50-year threshold for state fund claims but aligns self-insured settlement eligibility with 44 other states that allow settlements for workers over 18. Key mechanisms include keeping the 180-day waiting period before settlement, requiring board approval, and mandating a review by an industrial appeals judge if a worker is unrepresented by an attorney. The bill preserves the same settlement structure - covering all benefits except medical care - with options for lump-sum or structured payments based on state wage averages.