In small-city and commuter settings like Gaffney, many people are back on the road, back at work, or back to caregiving faster than they should. That can create a documentation gap—especially for TBI symptoms that come and go (headaches, dizziness, memory problems, sleep disruption, mood changes).
A calculator typically assumes that:
- symptoms were treated consistently,
- the medical records match the timeline, and
- the functional impact is clearly documented.
But real cases often involve delays in appointments, limited access to specialists, or symptoms that worsen later. In South Carolina, insurers look closely at whether the evidence supports when symptoms began, how they changed, and what limitations they caused.


