Past Loss
Past Loss of Earnings
Reconstruction of earnings lost between the date of injury or negligent act and the date of expert report or trial.
UK Loss of Earnings Expert Witness
What Was Your Working Life Worth?
Brief
Independent forensic accounting and expert witness services for past and future loss of earnings in personal injury, clinical negligence, and employment proceedings — across the United Kingdom.
File: LOE / Working-life quantum
Claim Types Covered
Personal Injury · Clinical Negligence · Employment Law · Fatal Accidents · Industrial Disease · Road Traffic Accidents
Section
What We DoSix Specialist Loss of Earnings Services
Loss of Earnings Expert is a UK forensic accounting and financial expert witness firm specialising exclusively in the quantification of past and future loss of earnings and earning capacity — serving personal injury, clinical negligence, employment law, and related proceedings across the United Kingdom.
Future Loss
Future Loss of Earnings & Multipliers
Present value of future loss of earnings from report date to the end of working life — Ogden multipliers, Smith v Manchester where appropriate.
Ogden Tables
Ogden Table Expert Reports
Specialist CPR Part 35 reports applying the Ogden Tables to quantify future loss with full methodological disclosure.
Pension Loss
Pension Loss (Blamire & Actuarial)
Expert analysis of pension loss — Blamire approach for defined benefit schemes and actuarial approaches where instructed.
Self-Employed
Self-Employed Income Reconstruction
Forensic reconstruction of self-employed and director earnings where PAYE records are incomplete or unavailable.
Employment Law
Employment Law Loss of Earnings
Loss of earnings quantification for wrongful dismissal, constructive dismissal, discrimination, and whistleblowing claims.
Why Specialist Expertise
Loss of Earnings Demands Depth Generalists Cannot Match
01 — Past
Past LossReconstructing What Was Earned
Payslips, P60s, SA302s, and employment records must be reconstructed with forensic precision — every figure traceable to source evidence.
02 — Future
Future LossModelling What Would Have Been
Career trajectory modelling and Ogden Table multipliers quantify the present value of a working life altered by injury or negligence.
03 — Method
MethodologyThe Actuarial Precision Courts Require
Multiplier, multiplicand, discount rate, and reduction factors — disclosed and defensible under CPR Part 35 cross-examination.
Actuarial base
Ogden Tables — A NoteThe Foundation of Future Loss Calculation
The Ogden Tables (Government Actuary's Department actuarial tables) are the standard tool for calculating the present value of future loss of earnings in UK personal injury and clinical negligence proceedings. Every future loss calculation our experts produce is grounded in the current edition of the Ogden Tables — with the multiplier, multiplicand, and discount rate fully disclosed.
Verify current Ogden Tables edition and Lord Chancellor discount rate before publishing specific figures.
Read our Ogden Tables guide →
Section
Our ApproachFrom Brief to Report
01
Brief Received
Your instruction and key documents are reviewed within one business day.
02
Expert Assigned
A loss of earnings specialist matched to your claim type and court.
03
Scope Agreed
Scope, fee estimate, and timetable confirmed before work commences.
04
Report Delivered
CPR Part 35 compliant report exchanged on your deadline.
Section
Who We ServeBuilt for Every Side of the Claim
Solicitors
PI & Clinical Negligence Solicitors
CPR Part 35 reports, Ogden Table methodology, Smith v Manchester, and joint statement capability.
Insurers
Insurers & Loss Adjusters
Independent defendant-side quantum assessment and proportionate SJE appointments.
Employment
Employment Law Solicitors
Polkey reductions, career impact analysis, and schedule of loss preparation support.
Claimants
Individual Claimants
Plain-English guidance on what loss of earnings expert evidence means for your claim.
Loss of Earnings Expert — Frequently Asked Questions
- What are the Ogden Tables in personal injury claims?
- The Ogden Tables (Government Actuary's Department actuarial tables) are the standard tool for calculating the present value of future loss of earnings in UK personal injury and clinical negligence proceedings. They provide multipliers — actuarially calculated figures that, when applied to an annual multiplicand (the net annual loss), produce a lump sum representing the present value of future loss over the claimant's working life.
- What is the multiplier and multiplicand in a loss of earnings claim?
- In a future loss of earnings claim, the multiplicand is the annual net loss of earnings — the claimant's annual earnings but for the injury, less actual post-injury earnings. The multiplier is an actuarially calculated figure from the Ogden Tables that reflects the period of loss and the discount rate. Future loss is calculated by multiplying the multiplicand by the multiplier.
- What is a Smith v Manchester award?
- A Smith v Manchester award is a lump sum award for handicap on the open labour market — used where a claimant has returned to work but their injury places them at a disadvantage in the job market. It is used as an alternative to full Ogden Table future loss calculation where the claimant is working but at a competitive disadvantage. It is typically expressed as a multiplier of annual earnings (commonly between 0.5 and 2 years' net earnings), assessed by the court or agreed in settlement.
- What is the Blamire approach to pension loss?
- The Blamire approach to pension loss (from Blamire v South Cumbria Health Authority) is used where it is not possible to calculate pension loss with precision — typically for defined contribution schemes or where the claimant's pension position is uncertain. The court awards a lump sum representing a broad assessment of pension loss. An expert forensic accountant can model the range of pension loss and advise on an appropriate Blamire award figure.
- What must a CPR Part 35 loss of earnings expert report contain?
- Under CPR Part 35 and Practice Direction 35, a loss of earnings expert report must include: the expert's qualifications, a summary of instructions received, the facts and materials relied upon, the methodology applied (including the Ogden Table edition, multiplier, multiplicand, and discount rate where applicable), the expert's opinion and reasoning, a summary of conclusions, and a statement of truth confirming the expert's duty to the court.
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