Legal, Insurance & Actuarial Risk Hub
Calculators for personal injury settlement multipliers, lost earning capacity, life insurance mortality reserves, litigation contingency fees, and workers' compensation.
Personal Injury Settlement Multiplier Calculator
Calculate estimated car accident and bodily injury insurance claim settlement value using the insurance adjuster multiplier method.
Pain and Suffering Damages Valuation Calculator (Per Diem vs Multiplier)
Calculate non-economic pain and suffering damages using both the daily Per Diem method and the Insurance Multiplier method for personal injury demand letters.
Structured Settlement Annuity Lump-Sum Present Value (NPV)
Calculate fair market cash lump-sum present value (NPV) and purchasing company discount factoring haircut when selling structured settlement annuity payments.
Wrongful Death Economic Loss & Future Earning Capacity Calculator
Calculate present value of decedent's lost lifetime future earnings, pension benefits, household services, and personal consumption offsets.
Attorney Contingency Fee Net Payout & Medical Lien Deduction Calculator
Calculate exact client net 'in-pocket' payout after deducting attorney contingency fees (33.3% / 40%), case expenses, and subrogation health insurance liens.
Car Accident Diminished Value Formula (17c Rule) Calculator
Calculate inherent diminished value for a repaired vehicle using the Georgia Insurance Commissioner Formula 17c standard recognized nationwide.
Workers' Comp Permanent Partial Disability (PPD) Rating & Schedule
Calculate scheduled body member permanent partial disability (PPD) statutory compensation weeks, impairment ratings, and total cash award.
Lost Wages, Overtime & Fringe Benefits Economic Loss Calculator
Calculate past and future lost earnings, missed overtime, employer health insurance contributions, and retirement 401(k) match losses for tort litigation.
Bodily Injury Liability Umbrella Policy Limit Exhaustion Calculator
Calculate claim liability allocation across primary auto/homeowner policy limits and secondary excess umbrella coverage for catastrophic torts.
Prejudgment Interest Statutory Damages Calculator
Calculate statutory prejudgment interest accrued from the date of injury or formal demand letter to court judgment at state statutory interest rates.
Child Support Statutory Guidelines (Income Shares Model) Calculator
Calculate monthly child support obligation using the Income Shares Model utilized by 41 U.S. states, factoring parenting time overnights and health insurance.
Spousal Maintenance & Alimony Duration & Payment Formula Calculator
Calculate monthly alimony payments and support duration guidelines based on marriage length and gross spousal income disparity (AAML formula).
Commercial General Liability (CGL) Audit Payroll Premium Adjustment
Calculate annual commercial general liability insurance premium audit adjustments based on audited payroll vs estimated policy inception figures.
Business Interruption Loss & Gross Earnings Formula Calculator
Calculate business interruption insurance loss recovery, net profit reduction, continuing payroll overhead, and extra expense reimbursement.
Life Insurance Human Life Value (HLV) Capital Needs Calculator
Calculate optimal term or permanent life insurance death benefit using the Solomon S. Huebner Human Life Value (HLV) economic methodology.
Long-Term Care Insurance Elimination Period & Benefit Pool Calculator
Calculate lifetime benefit pool, out-of-pocket elimination period costs (90 days), and compound inflation growth riders for Long-Term Care (LTC) insurance.
Property Casualty Co-Insurance Penalty (80% Rule) Calculator
Calculate insurance payout and coinsurance penalties on commercial property claims when insurance coverage is less than 80% of replacement value.
Title Insurance Premium & Refinance Reissue Rate Calculator
Calculate lender and owner title insurance policy premiums, simultaneous issue discounts, and refinance reissue rate savings.
Health Insurance Subrogation Lien Reduction (Common Fund Doctrine) Calculator
Calculate mandatory legal reductions to health insurance and ERISA subrogation liens under the Common Fund Doctrine and Made-Whole Doctrine.
Breach of Contract Expectation & Consequential Damages Calculator
Calculate expectation damages, incidental losses, consequential lost profits (Hadley v. Baxendale rule), and mitigation offsets in commercial contract disputes.
Medical Malpractice Noneconomic Damages Cap Adjustment Calculator
Calculate medical malpractice verdict reductions, applying state statutory noneconomic damage caps (e.g. California MICRA, Texas, Florida, Ohio).
Law Firm Billing Realization & Collection Rate Productivity Calculator
Calculate billing realization rate, collection rate, write-down write-off leakage, and true hourly collected rate for law firm partners and associates.
Punitive-to-Compensatory Damages Ratio Compliance (SCOTUS Due Process)
Calculate punitive-to-compensatory damages ratios and test constitutional compliance under U.S. Supreme Court 14th Amendment Due Process precedents.
USPTO Trademark Filing Fees & Multi-Class Madrid Protocol Calculator
Calculate United States Patent and Trademark Office (USPTO TEAS Plus) filing fees, international class additions, and Section 8/9 renewal costs.
Workers' Comp Experience Modification Rate (EMR) Premium Impact
Calculate Experience Modification Rate (EMR / Mod) financial impact, workers' compensation insurance premium surcharges, and credit discounts.