Every desk examiner knows the gap: the P&S report lands Monday, the DEU summary rating comes back in some number of weeks, and the file needs a PD reserve today. The schedule math is deterministic — there is no reason to wait on it. Here is the same-day workflow, fully computed.
The day the report lands
Three numbers come out of the report: WPI per body part, apportionment, and the work status. Add what the file already knows — occupation and date of birth — and the rating pipeline is fully determined: ×1.4, occupational variant, age adjustment, §4663 split. The calculator runs it live and prints the DEU-format string for the file note.
100% (16.02.01.00 - 12 - [1.4]17 - 380H - 21 - 22) = 22% PD
85.5 weeks × $290 = $24,795 PD indemnity reserve
That figure — and the string that proves it — goes in the reserve worksheet and the authority memo the same day. When the DEU rating arrives, it should say the same thing; if it doesn’t, the string shows exactly which step differs.
The cushions
§4650(d). If PD advances have run late, each late installment carries an automatic 10%. Reserving the exposure on our example means $24,795 × 1.10 = $27,274.50 — the calculator’s §4650(d) toggle computes it. The litigated §5814 25% is separate exposure on unreasonable-delay facts.
The TD tail. If the worker isn’t P&S yet, the TD side is two-thirds of AWW against the 104-week cap (§4656). At a $1,600 AWW that is $1,066.67/week — 30 authorized weeks remaining is ≈ $32,000 of exposure, and the statutory worst case is 104 × $1,764.11 = $183,467.44. The calculator’s TD exposure card runs the §4656 clock on the actual periods in the file.
The big flags. At 70%+ PD a life pension attaches (§4659) — actuarial money that dwarfs the visible award; the money chart flags every 70+ row. And future medical is its own reserve line under your carrier’s standards — the one piece no calculator prices.
Scale it across the diary
For diary reviews and portfolio scrubs, the batch tool takes CSV rows — impairment, WPI, group, age, apportionment — and returns rated strings, weeks, and dollars for the whole list at once, exportable back to CSV. Twenty-five files in the time one DEU request takes to write.
Papering the file
Authority requests move faster when the number arrives with its work shown. The calculator’s exhibit export prints the full audit trail — every table lookup from WPI to final — which is the difference between “the adjuster estimates” and “the schedule computes.” Reserving philosophy and redundancy factors are your carrier’s; the statutory anchor inside them is this. Informational use only.