We provide loss of earnings expert witness evidence across the full spectrum of UK civil and employment proceedings — from road traffic accidents to catastrophic injury, clinical negligence, and employment tribunal claims.
Ogden Tables, Smith v Manchester, care-related employment impact
Quantification of past and future loss of earnings arising from personal injury — from workplace accidents to catastrophic injury — with Ogden Table methodology and Smith v Manchester awards where appropriate.
Future earnings, career trajectory, Ogden multipliers
Expert evidence on earning capacity lost through clinical or medical negligence, including career trajectory modelling for claimants whose working lives have been fundamentally altered.
Dependency claims, Ogden Tables, lost years
Support for Fatal Accidents Act dependency claims and related loss of earnings issues, including Ogden-based valuation of the deceased’s earning capacity and lost years analysis where instructed.
Wrongful dismissal, discrimination, Polkey reductions
Loss of earnings quantification in Employment Tribunal and High Court employment proceedings — wrongful dismissal, constructive dismissal, discrimination, and whistleblowing.
Occupational impact, reduced working life
Quantification of earnings loss and shortened working life arising from industrial disease and occupational illness claims.
Whiplash to catastrophic injury spectrum
Loss of earnings analysis across the RTA spectrum — from temporary interruption of earning capacity to catastrophic injury requiring lifetime Ogden-based calculation.
Income reconstruction, SA302, comparators
Forensic reconstruction of self-employed, director, and PSC earnings where conventional PAYE evidence cannot establish pre-injury earning capacity.
Blamire, DB/DC schemes, actuarial interaction
Pension loss arising from injury, negligence, or employment termination — Blamire approach for defined benefit schemes and contribution-based analysis for DC arrangements.
Understanding how the Ogden Tables work is essential for instructing solicitors, insurers, and claimants. The following sections explain the methodology used in UK loss of earnings expert reports.
The Ogden Tables are actuarial tables published by the Government Actuary's Department (GAD). They provide multipliers used to calculate the present value of future loss of earnings and other financial losses in personal injury and clinical negligence claims in England and Wales.
The appropriate multiplier depends on the claimant's age, sex, retirement age assumption, and the period over which loss is calculated. Tables are selected to match the claimant profile, with employment contingency reduction factors applied where the evidence supports them.
The multiplicand is the annual loss figure — the difference between but-for and residual earning capacity, expressed as an annual sum. This is multiplied by the Ogden multiplier to produce the present value of future loss.
The Lord Chancellor sets the personal injury discount rate used to adjust Ogden multipliers for the time value of money. Changes to the discount rate materially affect future loss quantum and must be applied correctly.
Reduction factors account for contingencies such as unemployment, mortality, and disability that would have affected earning capacity even without the injury. These are applied with care and disclosed in the expert report.
Where full Ogden Table quantification is not appropriate — for example, where residual earning capacity is uncertain — courts may award a lump sum under Smith v Manchester (or similar authority) rather than a precise Ogden-based calculation.
Pension loss in defined benefit schemes may be quantified using approaches derived from Blamire v South Cumbria District Health Authority, or by actuarial calculation where instructed. Pension loss interacts with overall earnings quantum and must be coordinated.
All figures, table editions, and discount rates referenced in expert reports must be verified against current GAD publications and Lord Chancellor determinations before publication.