Updated 10/01/2025
Calculate Claim Exposure
Choose the claim task first, then enter your DOI, AWW, and the wage-loss periods that match that scenario.
This is an informational tool, not legal advice. Results depend entirely on the information you enter and may not reflect all statutory exceptions or fact-specific rules. Verify against the underlying statute and consult an attorney for case-specific decisions.
How total exposure is estimated
Exposure sums the major buckets of a claim: past and future wage-loss (TTD/TPD), permanency (PPD), and medical/other reserves.
It is a planning estimate for understanding settlement value, not a binding valuation.
Worked example
A claim with 52 weeks of TTD, 26 weeks of TPD, a 7% PPD rating, and reserves combines each bucket at the correct rate for the injury date to produce a single exposure figure.
When to call
Use your result as a screen. Most claims that are on track do not need a lawyer; the ones that are off track usually do.
Green — may be on track
This gives you a rough exposure picture. Save it before any settlement discussion.
Yellow — worth watching
Some inputs are estimates (future weeks, reserves). Refine them before relying on the total.
Red — good reason to call
You are being asked to settle and the offer is far below this estimate. Call before you sign anything.
Frequently asked questions
- Is exposure the same as settlement value?
- No. Exposure is a planning estimate of the claim’s components. Settlement value depends on disputes, risk, and negotiation.
- Should I settle for this number?
- Not automatically. A bigger settlement is not always better, and full/final/complete settlements close future rights. Get advice first.