In practice, settlement discussions aren’t built around a single number. Instead, they hinge on whether the other side believes:
- The injury happened the way you say it did
- Symptoms were documented early (and consistently)
- Functional limits are real and ongoing—not just temporary complaints
- Ohio deadlines and procedure won’t bar part of the claim
A calculator can’t see your medical record or predict how adjusters will treat gaps in care, conflicting timelines, or issues tied to treatment access.


