Forensic claim evaluation using 2026 TBSA multipliers. Synchronized with Actuarial disfigurement tiers and clinical recovery benchmarks.
Severity Calibration • Institutional Benchmarks
| Severity Phase | Value Range | Multiplier | Status |
|---|---|---|---|
| Critical/Life-Threatening (TBSA > 40%) | $1,500,000–$5,000,000 | 6.5x | Verified |
| Severe/Full Thickness | $500,000–$1,400,000 | 4.8x | Verified |
| Moderate/Partial Thickness | $100,000–$450,000 | 3.2x | Verified |
| Minor/Superficial | $10,000–$85,000 | 1.5x | Verified |
Infection Probability • Settlement Adjustment Factors
| Complication | Exposure Risk | Settlement Adj. | Grade |
|---|---|---|---|
| Sepsis/Infection | High | 1.4x | Forensic |
| Hypertrophic Scarring | Moderate-High | 1.3x | Forensic |
| Permanent Disfigurement | High | 1.5x | Forensic |
Audit Calibration Engine • Multiplier Matrix
| Audit Layer | Algorithm | Source | Precision |
|---|---|---|---|
| Pain & Suffering | MedicalBills * (Degree + TBSA Multiplier) | ABA Colossus | Actuarial |
| Disfigurement Adj. | SettlementValue * (1.5x if Hypertrophic) | Clinical Rule | Binary |
| Economic Final | Bills + Wages + Future Grafting | Statutory Law | Linear |
In 2026, burn injury settlements have evolved toward forensic verification of TBSA and long-term disfigurement care. This guide outlines the technical framework for private and commercial fire/chemical claims.
Modern 2026 litigation requires absolute precision in TBSA calculation. Utilizing the 'Rule of Nines' or the 'Lund-Browder Chart,' forensic auditors analyze the extent of the injury to determine the non-economic damage multiplier. A 10% TBSA increase can lead to a 1.5x surge in the 'Pain and Suffering' component due to the exponential increase in infection risk and surgical requirements.
Permanent scarring is no longer a generalized claim. In 2026, settlements distinguish between superficial scarring and **Hypertrophic/Keloid disfigurement**. If the burn results in contractures (skin tightening that limits movement), the claim value incorporates permanent disability multipliers. Disfigurement of the face or hands is audited at a premium due to the profound impact on 'Loss of Enjoyment of Life' and future earning capacity.
Forensic Burn Guidance for 2026
American Burn Association Institutional Report 2026Audit Ref: BRN-2026-Lawsuit
Execute a professional claim audit using forensic 2026 clinical logic.
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