Load the file at 0x400000 and ram from 0x600000 to 0x900000, not accurate but will work.
I usually look into damos/a2l file.
For example i took a binary and a2l file from here
http://nefariousmotorsports.com/forum/index.php?topic=467.msg74873#msg74873(These files came with WinOls in damos folder).
In the file clearly see memory structure, all segments & addresses.
Also if you scroll down the file you will find proper addresses of all variables for the bin.
So I think a2l file is very useful as reference for disassembling.
For example, here is clear description of segment structure, you can make same segments in IDA:
ECU "MED91"
/begin MEMORY_SEGMENT Pst20000 "" CODE EPROM EXTERN 0x20000 0x1A0000 -1 -1 -1 -1 -1
/begin IF_DATA ETK ADDRESS_MAPPING /*orig_adr:*/0x20000 /*mapping_adr:*/0x20000 /*length:*/0x1A0000 /end IF_DATA
/begin IF_DATA ASAP1B_CCP ADDRESS_MAPPING /*orig_adr:*/0x20000 /*mapping_adr:*/0x20000 /*length:*/0x1A0000 /end IF_DATA
/begin IF_DATA ASAP1B_KWP2000 ADDRESS_MAPPING /*orig_adr:*/0x20000 /*mapping_adr:*/0x20000 /*length:*/0x1A0000 /end IF_DATA
/end MEMORY_SEGMENT
/begin MEMORY_SEGMENT Pst1F0000 "" CODE EPROM EXTERN 0x1F0000 0x10000 -1 -1 -1 -1 -1
/begin IF_DATA ETK ADDRESS_MAPPING /*orig_adr:*/0x1F0000 /*mapping_adr:*/0x1F0000 /*length:*/0x10000 /end IF_DATA
/begin IF_DATA ASAP1B_CCP ADDRESS_MAPPING /*orig_adr:*/0x1F0000 /*mapping_adr:*/0x1F0000 /*length:*/0x10000 /end IF_DATA
/begin IF_DATA ASAP1B_KWP2000 ADDRESS_MAPPING /*orig_adr:*/0x1F0000 /*mapping_adr:*/0x1F0000 /*length:*/0x10000 /end IF_DATA
/end MEMORY_SEGMENT
/begin MEMORY_SEGMENT Pst0 "" CODE EPROM EXTERN 0x0 0x20000 -1 -1 -1 -1 -1
/begin IF_DATA ETK ADDRESS_MAPPING /*orig_adr:*/0x0 /*mapping_adr:*/0x0 /*length:*/0x20000 /end IF_DATA
/begin IF_DATA ASAP1B_CCP ADDRESS_MAPPING /*orig_adr:*/0x0 /*mapping_adr:*/0x0 /*length:*/0x20000 /end IF_DATA
/begin IF_DATA ASAP1B_KWP2000 ADDRESS_MAPPING /*orig_adr:*/0x0 /*mapping_adr:*/0x0 /*length:*/0x20000 /end IF_DATA
/end MEMORY_SEGMENT
/begin MEMORY_SEGMENT Dst1C2000 "" DATA EPROM EXTERN 0x1C2000 0x2E000 -1 -1 -1 -1 -1
/begin IF_DATA ETK ADDRESS_MAPPING /*orig_adr:*/0x1C2000 /*mapping_adr:*/0x902000 /*length:*/0x2E000 /end IF_DATA
/begin IF_DATA ASAP1B_CCP ADDRESS_MAPPING /*orig_adr:*/0x1C2000 /*mapping_adr:*/0x5C2000 /*length:*/0x2E000 /end IF_DATA
/begin IF_DATA ASAP1B_KWP2000 ADDRESS_MAPPING /*orig_adr:*/0x1C2000 /*mapping_adr:*/0x5C2000 /*length:*/0x2E000 /end IF_DATA
/end MEMORY_SEGMENT
/begin MEMORY_SEGMENT ExtRam900000 "" VARIABLES RAM EXTERN 0x900000 0x2000 -1 -1 -1 -1 -1
/* AsapMLXFm - CCP_V2_1 */
/begin IF_DATA ETK ADDRESS_MAPPING /*orig_adr:*/0x900000 /*mapping_adr:*/0x900000 /*length:*/0x2000 /end IF_DATA
/* AsapMLXFm - KWP2000 */
/end MEMORY_SEGMENT
/begin MEMORY_SEGMENT Ram7F8000 "" VARIABLES RAM INTERN 0x7F8000 0x8000 -1 -1 -1 -1 -1
/end MEMORY_SEGMENT
/begin MEMORY_SEGMENT Ram800000 "" VARIABLES RAM INTERN 0x800000 0x8000 -1 -1 -1 -1 -1
/end MEMORY_SEGMENT