Online calculators typically rely on simplified inputs—burn type, treatment duration, and injury severity categories. Real burn cases are messier. In practice, insurers in Pennsylvania often scrutinize:
- Whether the burn pattern matches the reported cause (especially in workplace and premises cases)
- Whether treatment was consistent and medically necessary
- Whether future care is supported by prognosis, not just assumptions
A tool can’t see operative reports, follow-up dermatology notes, therapy progress, or the details that explain why you needed certain procedures. In burn cases, those details often drive whether a settlement reflects the full impact—or ignores it.


