Local claims tend to hinge on three realities:
- Your work restrictions must match how you actually work. If your job requires standing, ladders, repetitive lifting, or time-sensitive production work, a restriction that sounds “light” on paper can still prevent you from doing the essential tasks.
- Timelines matter more than people expect. In Massachusetts, insurers look closely at when symptoms were reported, when treatment started, and whether follow-up visits were consistent. AI tools can’t verify that your medical record tells a continuous story.
- Commuting and shift schedules can affect wage loss evidence. Missing overtime, changing shifts, or reduced hours can be meaningful in a settlement discussion—yet many calculators only consider basic wage inputs.
That’s why an AI estimate is best treated as an early “sanity check,” not a number you build your decision around.


