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07 Sep

Assessing Long-Term Implications of a Personal Injury: Future Medical Expenses and Lost Earning Capacity


In the aftermath of a personal injury, the initial focus is understandably on recovery and immediate financial relief. However, it’s essential to account for the long-term implications of the injury, including future medical expenses and lost earning capacity. At SELPH LAW, we take a holistic approach to personal injury cases, ensuring we factor in both the present and future impacts on our clients’ lives. In this article, we’ll explore how to calculate and claim compensation for future medical expenses and lost earning capacity.

The Long-Term Impact of a Personal Injury

A severe injury can lead to prolonged medical treatment and rehabilitation, resulting in considerable medical expenses. Moreover, the injury might limit your ability to work, significantly impacting your earning capacity. Both these aspects need to be factored into your compensation claim to ensure fair restitution.

  1. Future Medical Expenses

Future medical expenses refer to the projected costs of all necessary medical care expected in the future as a direct result of the injury. These could include costs for:

  • Surgeries or medical procedures
  • Rehabilitation and physical therapy
  • Prescription medications
  • Medical aids like wheelchairs or prosthetics
  • Ongoing care for permanent disabilities

To calculate these costs, we typically work with medical experts to understand the extent of the injury, required future treatments, and their estimated costs.

  1. Lost Earning Capacity

Lost earning capacity, also known as loss of earning potential, refers to the loss of ability to earn money in the future due to the injury. This claim isn’t about the money you’ve already lost, but rather the income you would have been able to earn in the future had the injury not occurred.

Calculating lost earning capacity can be complex as it requires predicting future events. Factors considered include:

  • Your age, life expectancy, and health before the injury
  • Your occupation, skills, talents, and education
  • The income you were earning before the injury
  • The extent to which the injury affects your ability to work

Economic and vocational experts are often engaged to provide evidence to substantiate the claim for lost earning capacity.

SELPH LAW’s Approach

At SELPH LAW, we understand that a personal injury claim isn’t just about getting compensation for past losses. It’s about securing your future. Therefore, we:

  • Collaborate with medical and economic experts to accurately estimate future losses.
  • Thoroughly document all potential future expenses and lost income related to the injury.
  • Vigorously negotiate with the opposition to ensure you receive fair compensation.
  • Advocate fiercely in court, if necessary, to uphold your rights and secure your financial future.


Personal injuries can have lasting impacts that stretch far into the future. By including future medical expenses and lost earning capacity in your personal injury claim, you can secure a financial safety net that will allow you to focus on recovery and rebuilding your life. SELPH LAW is dedicated to helping you through this process, ensuring you receive the comprehensive compensation you deserve.

Disclaimer: This blog post is meant for informational purposes only and does not constitute legal advice. Always consult with a professional attorney for legal decisions.

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