Loss of Pension

Calculating loss of pension in personal injury and clinical negligence cases is highly complex given the variety of different pension schemes, and changes in legislation in recent years.


Our expert team of forensic accountants undertake a large amount of work in this complex area, and are fully au fait with scenarios involving both public and private sector Claimants.


We regularly advise in relation to Defined Benefit Schemes, Defined Contribution Schemes and Auto Enrolment on a standalone basis, for example, when advice is required to assess the pension loss elements of the case, and in conjunction with loss of earnings assessments.


We can undertake work on both a Single and Joint basis, and our experience and advice in this area can add real value to the running of a case. We also have experiences of dealing with cases involving international elements.

Pension Loss Reports - Call 0113 387 5670 or Click Here

We apply our forensic accounting expertise to provide detailed assessments and calculations to present a figure that is representative of the substantiated level of pension loss to the Claimant.


We assist in consideration of:

  • Public and private sector Claimants
  • Auto Enrolment
  • State Pension provisions
  • Multiple pension schemes and combinations
  • Past and future pension loss
  • Ill health retirement
  • Fatal cases


Ensuring that pension losses are accurately quantified can add substantial value to the case. We assist in the following common scenarios that will affect the level of pension loss to the Claimant, such as:

  • The Claimant cannot return to work
  • Reduced earnings
  • Disability or capacity issues affecting the Claimant’s ability to work
  • Career changes
  • Movement from public to private sector role
  • Where a Claimant has drawn their pension down early following accident / negligence


The level of pension loss often depends on the severity of the accident / negligence and subsequent impact on the Claimant as a result. 

Forensic Accounting Services - Loss of Pension Claims

We provide pension loss assessments on a standalone basis, for example, if you do not require assistance with loss of earnings, and in conjunction with loss of earnings assessments. We are also happy to gather all relevant pension scheme information on behalf of our clients.


Our team are fully au fait with both private and public pensions and have particular expertise in handling cases that involve Claimants employed in NHS, Police / Fire service, Armed Forces, Local Authority and Education.


We provide flexible solutions to meet your requirements providing both Expert and Agency services. Ask about our fee terms.

To discuss how we can assist you in the Loss of Pension elements in Personal Injury and Clinical Negligence cases, call us on 0113 387 5670

Alternatively you can send an email to enquiries@forthsonline.co.uk or fill out an Enquiry Form and a member of our team will contact you at the earliest possible convenience.

18 Apr, 2024
Undeclared Earnings - Making a Voluntary Disclosure to HMRC
By Liam Bottomley 10 Jan, 2024
Recent tax changes announced by Chancellor Jeremy Hunt may mean that any future loss calculations may require review. If you have an ongoing case that we have assisted with, we would be happy to discuss this with you. Likewise, for any potential new instructions we are always happy to have an initial chat. National Insurance Cuts On 6th January 2024 cuts to National Insurance rates will come into effect for employed Claimants: The main NI rate is being cut from 12% to 10%. From April 2024 for self employed Claimants: Class 4 NI rate will reduce from 9% to 8%, and; Class 2 NI contributions will be scrapped. The changes will affect future Loss of Earnings calculations. State Pension Changes There will also be a rise in State Pension of 8.5% from April 2024. Losses to State Pension are considered on a case by case basis. How We Can Assist Our experienced team assist with Loss of Earnings, Pension Loss and Loss of Dependency elements in all types of PI, Clinical Negligence and Fatal cases. Our approach is to ensure that your client’s Special Damages are optimised. We offer flexible solutions and reporting styles depending on the case requirements, and can assist you in the information discovery process. We are also happy to liaise directly with clients to assist in the progress of the case. For more information about our hourly rates for Expert CPR or White Label / Agency Services, and deferred payment terms, talk to our team. Contact us here Call us on 0113 387 5670 Email - enquiries@forthsonline.co.uk
11 Jul, 2023
In the 2023 budget, Chancellor Jeremy Hunt announced fundamental changes to the Annual Allowance and Life Time Allowance charges for pensions savers. What are The Allowances? The Annual Allowance is the amount that an individual can pay into their pension scheme (both their own and their employer contributions) each year before paying Tax on the contributions made. The Life Time Allowance is the total amount an individual’s pension fund can be before they pay additional Taxes on their pension benefits. What Has Changed? The Annual Allowance has increased from £40,000 per annum to £60,000 per annum. The Lifetime Allowance, which was £1,073,100, has been abolished. What Does This Mean for Your Client? If you have a high earning client (often in the public sector where employer contributions are more generous), then your current calculation of lost pension benefits may include deductions for tax under both the Annual and Lifetime Allowance schemes and so may now be materially understated. How Can We Help? Our team have vast experience in assessing pension loss claims for all types of occupations and are fully au fait with the changes to the Tax rules from April. We would be happy to carry out a review of your pension loss calculations either on a stand alone basis or in conjunction with other relevant heads of claim.
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Contact us today to find out how we can assist you...

To hear more about our Forensic Accounting Services or to discuss a potential case with a member of our team, call us on 0113 387 5670.

Alternatively, you can email us at enquiries@forthsonline.co.uk or fill out an Enquiry Form and we will contact you directly.
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