How Are Damages Calculated in a Spinal Cord Injury Case?
Few injuries carry a heavier lifetime cost, both financial and personal, which is exactly why these cases require a fundamentally different approach to valuation.
By Simon Touma · Updated August 14, 2026
What Factors Go Into Valuing a Spinal Cord Injury Claim?
Quick answer: The level and completeness of the injury (which affects the extent of paralysis), projected lifetime medical and care costs from a life care plan, lost lifetime earning capacity, home and vehicle modification needs, and the profound non-economic impact on quality of life all factor into valuing a spinal cord injury claim.
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Level and Completeness of Injury
Where along the spinal cord the injury occurred, cervical (neck), thoracic (upper back), or lumbar (lower back), and whether it is complete (total loss of function below the injury) or incomplete (some function retained), significantly affects both the medical prognosis and the projected long-term needs. A higher-level cervical injury generally involves more extensive paralysis and greater care needs than a lower lumbar injury.
This classification, done by treating physicians using standardized medical criteria, becomes the starting point for every other part of the valuation, since it directly determines the scope of the life care plan and the realistic assessment of future function.
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Lifetime Medical and Care Costs
A life care plan projecting decades of medical treatment, equipment (wheelchairs and their periodic replacement, specialized medical supplies), home modifications, and potentially full-time caregiving needs forms the backbone of the economic damages in these cases. Spinal cord injuries often also require managing secondary complications, pressure sores, urinary tract infections, autonomic dysreflexia, that carry their own ongoing medical costs.
These secondary complications are not hypothetical, they are a well-documented, expected part of living with a significant spinal cord injury, which is why a properly prepared life care plan accounts for them rather than just the initial injury and rehabilitation.
Lost Earning Capacity
Beyond current lost wages, a spinal cord injury often eliminates or severely limits someone’s ability to work in their prior career, or at all, requiring vocational expert analysis to project this lifetime economic loss across the person’s entire remaining working years, not just the immediate recovery period.
For younger injured people in particular, this can represent decades of lost earning potential, making vocational and economic expert analysis one of the most consequential components of the overall damages calculation.
Home and Vehicle Modifications
Wheelchair accessibility (ramps, widened doorways, roll-in showers), modified vehicles, and home renovations to accommodate mobility limitations represent real, substantial costs that need to be included in a comprehensive claim, often running into the tens or hundreds of thousands of dollars depending on the scope of modification needed.
Non-Economic Impact
The profound effect on quality of life, independence, intimate relationships, and daily functioning represents real, compensable harm under Arizona law, separate from the purely financial costs. This dimension of the claim, while harder to quantify with receipts, is often what juries and negotiating parties recognize as central to what has actually been lost.
Caregiver and Attendant Care Costs
Many spinal cord injuries require ongoing attendant care, sometimes provided by paid professionals, sometimes by family members whose own time and labor represents a genuine economic loss worth accounting for in the claim, depending on the level of assistance needed with daily activities.
What Goes Into Building the Full Claim
- A precise medical classification of the injury’s level and completeness from treating specialists.
- A comprehensive life care plan accounting for both primary care and likely secondary complications.
- Vocational and economic analysis of lost lifetime earning capacity.
- Detailed cost estimates for home and vehicle modifications specific to the injury.
- Documentation of the injury’s full impact on independence and quality of life.
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Catastrophic Injury LawyerHow Are Damages Calculated in a Spinal Cord Injury Case? FAQs
Does the specific location of the spinal injury affect the case’s value?
Yes significantly, higher-level injuries generally involve more extensive paralysis and greater lifetime care needs, directly affecting the claim’s value.
What if I have some function remaining below the injury?
An incomplete injury still often carries substantial lifetime costs and impact, though the specific needs and prognosis differ from a complete injury.
How much does home modification typically cost?
This varies enormously based on the specific home and needs involved, an occupational therapist or life care planner can help assess this.
Can I recover for my spouse’s caregiving if they’re providing it themselves?
This is a fact-specific question worth discussing with an attorney, family caregiving costs can sometimes be part of a claim’s value.
What are secondary complications and why do they matter to the claim?
Conditions like pressure sores or urinary tract infections that commonly develop with spinal cord injuries, a thorough life care plan accounts for their ongoing management costs.
Does the claim account for future changes in my condition?
A well-prepared life care plan should account for realistic future needs, including any anticipated changes in condition over time.
How is lost earning capacity different from lost wages?
Lost wages cover income already lost; lost earning capacity projects the difference in what you could have earned over your entire remaining working life.
Is emotional and quality-of-life impact really factored into the settlement value?
Yes, non-economic damages reflecting the profound personal impact of the injury are a real, recognized component of these claims.
Key Takeaways
- The level and completeness of a spinal cord injury significantly affects its value.
- A life care plan is essential to establishing lifetime medical and care costs.
- Lost earning capacity often extends across an entire remaining career.
- Home and vehicle modifications represent real, substantial costs to include in the claim.
- Secondary complications common to spinal cord injuries should be accounted for in the life care plan.
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