The multiplier framework is one system, but where your injury sits inside it depends on documentation, permanence and objective findings. Each page below maps one injury onto the disclosed bands, presets the calculator to it, and names the evidence that moves the number.
One pattern is worth knowing before you pick a page. Every injury type has a single piece of objective evidence that decides which tier it lands in, and it is almost never the thing claimants talk about. The bands themselves never move, because a disclosed framework that shifted would be worthless. Your file's evidence is the only variable.
| Injury | Band | The evidence that decides the tier |
|---|---|---|
| Eye injury | 2–3× to 5–7× | Measured visual-acuity loss. A workplace eye injury carries two claims, not one. |
| Concussion & TBI | 2–3× to 5–7× | Neuropsychological testing plus collateral witnesses. A normal CT scan does not mean there is no injury. |
| Neck injury | 1.5–2× to 4–5× | MRI-documented herniation with correlated radiating symptoms. A strain with normal imaging stays at the bottom of the band however much it hurts. |
| Back injury | 1.5–2× to 4–5× | Physician-documented functional limits rather than pain descriptions. Lifting, sitting and standing restrictions written into the record. |
| Knee injury | 1.5–2× to 4–5× | The arthroscopy or reconstruction report, plus a future-damages opinion covering post-traumatic arthritis. |
| Nerve damage | 2–3× to 4–5×+ | The EMG. It does for nerve claims what the MRI does for disc claims. |
| Scar | 2–3× to 4–5×+ | Colour photographs taken over time, and a revision-surgery quote obtained before you settle. |
| Hand injury | 1.5–2× to 4–5×+ | Which hand, and what you do for a living. Dominance and occupation multiply everything else. |
| Broken bone | 2–3× to 4–5× | The X-ray is unarguable, so the fight moves to hardware, joint involvement and whether arthritis was priced before release. |
| Shoulder injury | 1.5–2× to 4–5× | Before-and-after function evidence, which is what beats the degenerative-tear argument. |
| Wrist injury | 1.5–2× to 4–5× | Repeat imaging for the scaphoid, the most-missed fracture in the emergency room. Document wrist pain even when the first X-ray reads clean. |
| Ankle injury | 1.5–2× to 4–5× | Instability testing and weight-bearing limits. “Just a sprain” is a diagnosis, not a value. |
| Whiplash | 1.5–2× to 3×+ | Treatment duration past three to six months, plus any disc findings. The rear-end presumption helps your liability case; the soft-tissue label hurts your value. |
| Soft-tissue injury | 1.5–2× to 3×+ | Objective findings of any kind, and zero treatment gaps. Claim-evaluation software grades the file, not the pain. |
| Spinal cord injury | 4–5× to Life-care plan drives it | The life-care plan, which in catastrophic claims sets the value rather than merely supporting it. |
The band is a range of multipliers applied to your economic damages, which means your medical bills and lost wages. A 2× band on $8,000 of specials produces a very different number from a 5× band on the same $8,000, and the jump between tiers is usually worth more than anything you can argue about the bills themselves.
Notice how many rows turn on a single document. The EMG for nerve claims, the neuropsychological battery for brain injuries, the permanency paragraph in a surgeon's final report. Adjusters price files, and a severity argument that never reached a medical record does not exist as far as the file is concerned.
Three rows reach the catastrophic tier, and they work differently from the rest. In spinal cord cases the life-care plan is the case rather than evidence supporting it, and the multiplier framework stops being the right tool once future care costs dominate the claim.
1.5–2× · 3–4× · 4–5×
Open →1.5–2× · 3–4× · 4–5×
Open →1.5–2× · 2–3× · 3×+
Open →1.5–2× · 2–3× · 3×+
Open →1.5–2× · 3–4× · 4–5×
Open →2–3× · 3–4× · 4–5×+
Open →2–3× · 3–4× · 4–5×+
Open →2–3× · 4–5× · 5–7× (catastrophic)
Open →1.5–2× · 3–4× · 4–5×+
Open →2–3× · 3–4× · 4–5×
Open →1.5–2× · 3–4× · 4–5×
Open →4–5× · 5–7× (catastrophic) · Life-care plan drives it
Open →2–3× · 3–4× · 5–7× (catastrophic)
Open →1.5–2× · 3–4× · 4–5×
Open →1.5–2× · 3–4× · 4–5×
Open →Injury not listed? The main calculator handles any injury through the severity bands, and the pain & suffering calculator runs both accepted methods for the non-economic side.