How South Africa Actually Calculates Loss of Earnings

Why actuarial reports are structured estimates, how courts apply contingencies, and why a simplified calculator holds up against full methodology.

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.

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

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

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

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

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