Posts

Practical guides for attorneys and claims handlers

How to Calculate Loss of Income in South Africa

A step-by-step walkthrough of how actuaries calculate past and future loss of earnings in personal injury and RAF claims.

Koch Life Tables Explained

What are Koch life tables, why do actuaries use them, and how do they affect the value of a loss of income claim?

RAF Claim Quantum Guide

A plain-language guide to understanding quantum in Road Accident Fund claims — what drives the number and how to sense-check it.

Contingency Deductions Explained

What contingencies are, typical ranges used by South African courts, and how they reduce the value of a loss of income claim.

The Discount Rate in Damages Calculations

Why future money is worth less today, the difference between gross and net discount rates, and why earnings growth matters.

How Apportionment Works in RAF Claims

When fault is shared, how the percentage split is determined, and how it affects the final quantum.