Being involved in an accident can quickly turn your life upside down. Most people hope to recover as quickly as possible and get back to a normal lifestyle free of pain. They do not want to spend their time with doctors and therapists when they could be enjoying time with loved ones.
But what happens if, even after you have “recovered” from your injuries, you are unable to do all of the things you were able to do before the crash? Unfortunately, there are often situations where people are not able to return to the type of lifestyle that they led prior to an accident, especially as it pertains to their work life. This is a claim that should be accounted for before accepting a settlement, but certain things must be done to be able to prove any type of future claim.
The goal of most insurance companies is to pay the least amount possible as soon as possible to limit their exposure on a claim. While an insurance company may consider past wage loss in a settlement offer if proper documentation is provided, the company will not consider what the future holds for an injured victim unless certain things are done to prove that the victim is no longer able to continue working in his or her former capacity due to the accident or injury.
What if the injuries sustained render it very difficult, or even impossible, to return to one’s pre-accident employment in the fullest capacity? If an injured person cannot provide the necessary documentation to substantiate a future wage loss or a loss of earning capacity in the future, he or she will not be compensated for these items that can potentially have a dramatic impact on their future. Frankly, many people who are in a rush to settle their claim may not even think of the future. Most people simply want to return to normalcy and put this devastating experience behind them, but it is important to make sure that you are not only covered for the past, but for the future as well.
To objectively establish an individual’s ability to perform physical, work-related tasks, one must usually undergo a Functional Capacity Evaluation (FCE). An FCE “evaluates an individual’s capacity to perform work activities related to his or her participation in employment.” Oftentimes, the examiner also compares the results to a specific job to determine whether the individual can continue to work in his or her current capacity given the specific duties of the particular job. In many cases, the examiner will have the individual perform the exact duties he or she does on the job to get the most accurate results possible. FCEs also aid treating doctors in determining what types of work restrictions to place on the individual to ensure safety given the injuries sustained.
Along with one’s ability to physically perform tasks, we may want to measure one’s ability to earn as well. This is typically done in the context of an Earning Capacity Evaluation (ECE). An ECE will “determine the evaluee’s skills, abilities, aptitudes, physical and mental capacities, interest and values, and will identify appropriate job titles with associated salary ranges and access to the labor market.” After a serious accident, individuals are oftentimes unable to handle the demands of the job that he or she held prior to the accident. An ECE helps us establish pre- and post-injury earning capacities and determine one’s new capacity to earn a living given his or her new restrictions and ability to function. A vocational expert doing an ECE takes into consideration the physical and functional factors established during the FCE to determine an individual’s ability to earn.
Together, these types of evaluations help treating physicians appropriately impose restrictions and coordinate care for the injured victim according to their post-accident condition. It is important to have documentation from these types of evaluations to substantiate a claim for future wage loss or loss of earning capacity. Losing the ability to work is one of the most devastating impacts on life that an accident can have. If this happens, it is important to have a team working with you to ensure that you take the right steps toward proving such a claim. The Groth Law Firm will walk with you every step of the way and ensure that your rights and your livelihood are protected. Call us today for a free consultation at (877) 375-7001.
i Soer, R., van der Schans, C. P., Groothoff, J. W., Geertzen, J. H., & Reneman, M. F. (2008). Towards consensus in operational definitions in functional capacity evaluation: A Delphi survey. Journal of Occupational Rehabilitation, 18, 389–400.
ii Foundations of Forensic Vocational Rehabilitation, Rick H. Robinson, 2014.