AI tools commonly generate a range based on inputs you provide—severity, age, and the type of care you expect to need. That can help you organize questions, but it can also steer you wrong if your situation differs from the “average” pattern.
In Wellington, common real-life complications can shift valuation quickly:
- Delayed discovery of neurological symptoms. Some people initially report pain or weakness and only later learn the extent of spinal cord involvement.
- Care needs that expand after discharge. Initial hospital costs are only part of the story; durable medical equipment and therapy timelines may change as progress—or complications—become clear.
- Insurance pressure during recovery. Adjusters may request recorded statements or offer early numbers before your prognosis is well documented.
A calculator can’t evaluate the medical record that insurers and courts rely on—imaging reports, neurological exams, functional assessments, and a life-care plan tied to your actual trajectory.


