An AI-based calculator typically works by taking inputs—like your diagnosis, treatment timeline, time missed from work, and reported limitations—and then comparing those details to patterns from other cases.
In Kentucky, that approach can be especially tricky because settlement value often turns on evidence quality and procedural posture: what the doctor documented, how restrictions were written, and how the claim developed after the initial reports.
What these tools often get wrong:
- They can’t confirm whether your medical findings support the restrictions you’re claiming.
- They can’t see gaps in treatment or delays that insurers may highlight.
- They can’t anticipate how disputes are likely to be framed (for example, whether the insurer challenges the work relationship or the extent of impairment).
- They can’t account for how wage records and actual earnings affect the calculation.
The takeaway: Treat the result as a starting point for questions—not a prediction of what you’ll receive.


