A generic calculator can’t see the details that matter in real negotiations—like whether your treatment started promptly after the incident, how your symptoms changed over time, or whether your work restrictions were documented.
In practice, settlement value is shaped by three things:
- Medical proof (what clinicians documented, and what objective testing supports)
- Functional impact (how the injury affected daily life and job duties)
- Proof of connection (how the accident mechanism and timeline line up with the diagnosis)
If any of those are missing—or look inconsistent—offers can shrink quickly.


