A calculator may suggest a range, but it can’t fully account for the realities that often surface in North Texas workplaces—especially in suburban settings where many people commute and work around tight schedules.
In practice, settlement value tends to shift based on:
- How clearly your treating doctor documented functional limits (not just pain complaints)
- Whether your restrictions align with what you actually could do at work
- Whether the insurer believes the timeline of symptoms, treatment, and reporting
- Whether you reached maximum medical improvement (or are still in the middle of treatment)
In other words: two people can enter the same “inputs” into an AI tool and still end up with very different outcomes once the insurer reviews the record.


