MMI is a point in the healing process when further material functional improvement is not reasonably expected from primary medical treatment and a permanent work capacity is defined.  Reaching MMI is a critical decision point in the life of a workers’ compensation claim. At this point the insurance company will determine any additional benefit entitlement based on any permanent loss of function and permanent wage loss that occurred as a result of the injury.  Reaching MMI does not necessarily mean that workers’ compensation will not cover further treatment.