Many online tools generate a range by using a few inputs (burn location, severity level, time off work). Real settlement negotiations are different. Insurers in Kansas typically evaluate:
- Whether the medical record supports the burn severity (depth, percentage of body involvement, complications)
- Whether treatment happened promptly and consistently
- Whether the injury caused functional limits (work restrictions, reduced grip strength, limited mobility, hypersensitivity)
- Whether future care is documented (scar management, therapy, medications, possible procedures)
A calculator can’t verify these items. That’s why two people with the same burn “category” can receive very different outcomes depending on proof.


