Settlement Guides & Insights

Our calculators give you a number. These guides explain where that number comes from and how the figures that shape a settlement are built — multiplier methods, impairment ratings, statutory rate tables — and why the gap between a first offer and a fair settlement usually comes down to who understands those figures better.

Everything here is written in plain English, using the same formulas and official sources we publish on our methodology page. We cover what shapes a specific insurer’s offer, how individual benefit types (like permanent partial disability) are calculated state-by-state, and the mechanics behind the multiplier and per diem methods our tools use. Every guide is reviewed against current law and cites its sources — see our editorial policy for how that review works.