Many AI tools present neat ranges. Real claims in Billings, MT are less tidy.
Here’s what matters more than any generic formula:
- How consistently your symptoms were reported after the incident (especially cognitive symptoms like concentration problems or memory gaps)
- Whether treatment followed recommendations (urgent care to ER, then follow-up with the right specialists)
- What the records show about daily limitations—not just the diagnosis code
- How the defense frames causation, including arguments that symptoms were preexisting or unrelated
For residents dealing with missed work on shift schedules or returning to commuting routines too soon, the medical record often becomes the deciding factor.


