A calculator can be a starting point, but in real negotiations, your value depends on details that don’t fit neatly into a range:
- Whether the burn is superficial or has lasting depth/scarring
- Whether there’s hand/face/joint involvement that affects function and daily life
- Whether treatment involved grafting, repeated debridement, or prolonged specialty care
- How consistent your medical timeline is (burns can worsen before they stabilize)
In Oregon, insurers also evaluate claims through the lens of evidence and documentation. If your records show clear causation and follow-through, you generally have stronger leverage. If key medical steps were delayed—sometimes for understandable reasons like scheduling or transportation—your claim may require extra explanation.
Bottom line: Treat any calculator as an estimate of what could be possible—not a prediction of what you’ll receive.


