Future loss of earnings
The pecuniary head of loss that compensates, after consolidation, the lasting loss or reduction of the victim's earnings, capitalized to retirement age or for life.
Future loss of earnings compensates a victim who, due to their after-effects, can no longer work or can work only part time or in a lower-paid job. The calculation starts from reference income before the accident, allows for foreseeable career progression, deducts the income the victim retains, then capitalizes the annual loss using a capitalization table, up to an end-of-career age or for life to also offset lost pension rights. Benefits paid by social security bodies, work injury annuity or disability pension, are set off against this item under their recovery rights. The Dintilhac classification distinguishes it from professional impact, which compensates devaluation on the labor market, increased hardship or giving up a chosen profession, even without quantifiable income loss. The choice of table, and thus of discount rate, can shift the award by several tens of percent.
A 40-year-old technician earning 36,000 euros a year, redeployed in 2024 to a 24,000 euro job after an accident, suffers an annual loss of 12,000 euros; capitalized to age 64 with an annuity factor of 18, it amounts to 216,000 euros before social security benefits are set off.
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