Compensation for a victim who needs lifelong assisted living is built mainly on economic damages designed to cover decades of care, alongside non-economic damages for the human impact of the injury. Georgia law aims to make the victim whole by compensating all losses caused by the defendant’s negligence, and in catastrophic cases that figure can be substantial.
The life care plan
This is the foundation for quantifying future needs. A qualified life care planner, often a nurse or rehabilitation specialist with certification in the field, prepares an individualized report projecting the victim’s medical and non-medical needs across their life expectancy. It typically details:
- Assisted living or skilled nursing costs, or in-home personal care, with a breakdown of services and projected increases over time.
- Ongoing medical care, including specialist visits, therapies, medications, durable medical equipment such as specialized wheelchairs or lifts, and anticipated future procedures.
- Home modifications to make a residence accessible.
- Specialized transportation.
- Lost earning capacity, reflecting the victim’s reduced or eliminated ability to work and any vocational retraining.
Reducing future costs to a present figure
An economist takes the life care plan’s projections, along with past and future lost wages, and converts them into a present-value figure, the amount that, invested today, would fund the future costs over the victim’s lifetime, accounting for inflation and reasonable returns.
Non-economic damages
The victim is also entitled to compensation for pain and suffering, emotional distress, physical impairment, disfigurement, and loss of enjoyment of life, which are significant in catastrophic cases. Georgia generally does not cap non-economic damages. A statutory cap on non-economic damages in medical malpractice cases was struck down as unconstitutional by the Georgia Supreme Court in Atlanta Oculoplastic Surgery v. Nestlehutt (2010), so there is no such cap today. Caps do apply to claims against governmental entities, for example the liability limits under the Georgia Tort Claims Act for claims against the State.
Structured settlements
For very large settlements or verdicts, part of the compensation may be paid as a structured settlement, a series of periodic payments rather than a single lump sum. This can provide long-term financial security and certain tax advantages.
Determining compensation for lifelong care requires extensive medical documentation and coordinated expert testimony, all directed at funding continuous, high-quality care for the rest of the victim’s life.