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I don't believe the company being sued gets to keep the money, but how I think it works is:
Company is sued. Judgement happens for $X million, they pay that to the settlement fund. The lawyers take their fee for working the case. The remaining money is then split among those affected by the company's actions.
So the reason you should claim it is because you're losing out on your share. But if you (and others) don't, those that do get a larger share.
The idea here is that you only file if you were affected by the actions. The payout is your damages from those actions.