Most calculators work like structured questionnaires: you enter burn type, severity, treatment, and time missed from work. The tool then produces a rough range based on generalized patterns.
But a burn claim is rarely that simple. In Michigan, insurers will scrutinize whether the medical record lines up with the incident you describe—especially when there are gaps in treatment, delayed specialist care, or unclear causation. A tool can’t:
- review your ER notes, surgical reports, or follow-up dermatology records
- confirm whether your symptoms match the burn depth and location
- predict whether you’ll need scar revision, ongoing therapy, or additional procedures
- evaluate functional limitations (hand use, range of motion, hypersensitivity) that often change work capacity
Bottom line: use a calculator to prepare your questions and gather documents—not as the final answer.


