Most calculators use general assumptions (work status, wages, medical severity) to produce a ballpark. In Bixby, those inputs can be different from the “average” scenario because:
- Overtime and shift schedules can affect how wage loss is calculated.
- Injury timing matters—especially when symptoms show up after a physically demanding day.
- Treatment consistency can be scrutinized when care starts later than the incident.
- Work restrictions can be harder to quantify when your job requires frequent lifting, climbing, or repetitive motions.
Even if two people type similar numbers into the same tool, their results can diverge once the insurer evaluates the medical records and work history behind the estimate.


