Do I have to have surgery before we settle?

I was injured on the job. My back. I will need surgery in the future, but want to look for the best person to preform it hoping for the best results ie a spine surgeon or a neuro surgeon . If I wait until a later date for surgery and settle before then, can or will I be covered? Back surgery doesn't always work the first time or there's a lot of rehab to follow. If I've already settled, will that be covered?