Most AI tools work by taking a few inputs (injury level, age, basic care needs) and translating them into a broad dollar range. That approach may feel helpful, but it can miss the details that matter most in catastrophic cases.
In Illinois, insurers typically focus on documentation and causation—especially where there may be disputes about:
- When symptoms began and whether they match the incident
- Whether the injury is complete or incomplete and what that means functionally
- Complications that can dramatically affect long-term care (mobility decline, skin risks, respiratory issues, bowel/bladder management)
- Whether medical providers documented a consistent trajectory toward maximum medical improvement
A calculator can’t review imaging, neurological exams, therapy notes, or a life-care plan. That’s why the most useful way to use an AI tool is as a checklist—not a prediction.


