Not Worth it.
I study brain damage, and chances are she will never be able to appreciate that money. She's probably not even the same person anymore, and can barely think if they say she has the functioning of a 5 year old. Very sad
My boy worked at a facility for closed head injury victims and a lot of those people were millionaires, but after you factored in health expenses, houses, and other stuff they weren't even touching money. Most of them had no clue how much bread they and didn't know how to spend it if they did. One kid (18-20) just kept getting video games/electronics but never wanted to leave the housing facilities.