The Role Of A Life Care Planner After A Catastrophic Accident

If you or a loved one has been involved in a catastrophic accident and suffered personal

injuries that require ongoing medical or nursing care, a life care planner can provide an important service. A life care planner will outline a plan to address your future medical needs, taking into account medical industry standards and a comprehensive review of your condition. This life care plan can prove invaluable in helping you get the damages you are afforded under tort laws governing personal injury claims.

Personal Injury Claims and Your Life Care Planner

When you experience a personal injury as a result of someone's negligence or intentional wrongdoing that causes you harm, you are entitled to damages under tort laws. Damages include, among other things, the cost of medical treatment, the cost of lost wages, compensation for pain and suffering, and compensation for emotional distress. You may obtain the compensation that the law affords you in one of two ways. The first option is a personal injury settlement, which is negotiated with the person who hurt you or, far more commonly, with that person's insurance company. You may also decide to follow through with a civil lawsuit, prove your claim in court, and have a jury award damages.

In any case, it is going to be up to you to prove the extent of the medical bills and costs that have been incurred and will be incurred as a result of the accident. If you settle outside of court, you'll need to have a clear understanding of what your medical costs will be in order to convince the insurance company to pay you fairly. Likewise, if you take your case to court, then the burden of proving damages is on you as the plaintiff.

When you suffer a lifelong injury that requires you to get ongoing care, you will need a way to estimate that care and the associated costs. The damages or settlement amount is meant to allow you to afford the care to become whole again and resume the quality of life you had before the injury. A life plan can help you know what the costs associated with that care will actually be so you can make sure that you don't end up bearing the financial burden.

Working with a Life Care Planner

When it becomes necessary to develop a life care plan, it is important you work with a skilled and knowledgeable life care planner who understands how to create a realistic outline of necessary treatment. The plan must both protect your interests and your right to compensation for treatment, and also be fair and objective so that the insurer or court is convinced that the described future costs will actually be necessary.

A life care planner will need to do careful research to determine the anticipated needs of the accident victim for the rest of his or her life. The planner will need to take into account what the standard industry treatment is for the type(s) of injuries and will need to focus both on what the injured victim needs now and what he may need in the future. The job of a life care planner can be difficult, but a knowledgeable expert will help create a life care plan that makes sure your medical costs are covered.

by: Nancy E Fraser

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